Our Services
Comprehensive retirement planning tailored to your circumstances
Every person's journey to retirement is different. Some have straightforward workplace pensions, others have accumulated multiple pension pots over a long career. Some know exactly when they want to retire, others are exploring their options.
Our services are designed to address the full spectrum of retirement planning needs. Whether you need a one-off pension review or ongoing advisory support, we structure our engagement to match your requirements.
Pension Review
From £495A comprehensive analysis of your existing pension arrangements. We examine each pension you hold, assess its performance, fees, and features, and identify opportunities for improvement.
Many people accumulate multiple pensions over their career without a clear picture of their total retirement provision. This review brings everything together into a single, coherent view.
What's Included
- Analysis of all existing pension arrangements
- Fee comparison against market alternatives
- Fund performance assessment
- Identification of valuable policy features
- Consolidation recommendations where appropriate
- Written report with clear findings
Retirement Timing Analysis
From £750Determining when you can afford to retire requires careful calculation. This service models different retirement scenarios, showing you how various timing decisions affect your income and lifestyle throughout retirement.
We consider all income sources—State Pension, workplace pensions, personal pensions, and other assets—to create a realistic picture of your retirement finances.
What's Included
- Cash flow modelling across multiple scenarios
- State Pension timing optimisation
- Tax-efficient withdrawal sequencing
- Impact analysis of different retirement ages
- Inflation and longevity stress testing
- Detailed scenario comparison report
Income Strategy Planning
From £1,250How you withdraw money from your pension can significantly impact how long it lasts and how much tax you pay. This service develops a structured approach to generating retirement income.
We analyse the interplay between different income sources and create a withdrawal strategy that balances immediate needs with long-term sustainability.
What's Included
- Tax-efficient income structuring
- Drawdown vs annuity analysis
- Personal allowance optimisation
- Investment strategy for income generation
- Annual review framework
- Contingency planning for market volatility
State Pension Guidance
From £295The State Pension forms a crucial foundation for most people's retirement income. Understanding your entitlement and options for increasing it can make a meaningful difference to your retirement finances.
We help you navigate the complexities of qualifying years, voluntary contributions, and deferral decisions.
What's Included
- National Insurance record analysis
- Voluntary contribution assessment
- Deferral decision guidance
- Coordination with private pension timing
- Forecast verification
Defined Benefit Analysis
From £1,995Final salary and other defined benefit pensions offer valuable guaranteed income. Decisions about these schemes—whether to retain, transfer, or optimise timing—require specialist analysis.
We provide the detailed evaluation required for informed decision-making, including the mandatory transfer value analysis for larger schemes.
What's Included
- Scheme benefit analysis
- Transfer value assessment
- Comparison of retention vs transfer
- Critical yield calculations
- Spouse and dependant benefit review
- FCA-compliant recommendation report
Comprehensive Retirement Planning
From £2,750Our most complete offering combines all aspects of retirement planning into a single, cohesive strategy. Ideal for those approaching retirement who want a thorough, coordinated approach.
This service integrates pension review, timing analysis, income strategy, and ongoing support into one comprehensive engagement.
What's Included
- Full pension review across all arrangements
- Retirement timing optimisation
- Tax-efficient income strategy
- State Pension coordination
- Investment allocation recommendations
- Implementation support
- First year annual review included
Choosing the Right Service
A quick guide to matching our services with your needs
Ongoing Advisory Service
Retirement planning isn't a one-time event. Tax rules change, markets fluctuate, and personal circumstances evolve. Our ongoing advisory service provides continued support after your initial planning is complete.
Annual fee from £995, based on portfolio complexity.
Service Questions
We typically work with clients who have combined pension assets of £100,000 or more. However, we're happy to have an initial conversation regardless of your situation—sometimes people underestimate what they've accumulated, and we can often point you toward appropriate resources even if we're not the right fit.
In many cases, yes. Advisory fees can often be facilitated through your pension, which may offer tax advantages. We'll explain your payment options during our initial meeting and help you choose the most appropriate method for your circumstances.
Timelines vary depending on the complexity of your situation and how quickly we can gather information from your existing providers. A straightforward pension review might take three to four weeks, while comprehensive retirement planning typically spans two to three months from initial meeting to final recommendations.
Yes, we offer video consultations for clients who prefer remote meetings or are located far from our offices. Many clients find a combination works well—perhaps an initial face-to-face meeting followed by video calls for subsequent discussions. We're flexible and will work with whatever suits you best.
Our initial consultations are complimentary and designed to understand your situation. If your question is straightforward, we may be able to help during that conversation. For specific advice requiring research or analysis, we'd need to engage formally, but we'll always be clear about what's needed before any fees apply.
Not Sure Which Service You Need?
Start with a conversation. We'll listen to your situation and recommend the most appropriate approach—with no obligation.
Schedule a Discussion