We turn three pension statements into one number.
Most people arrive with a folder of paperwork they have never fully read, a state pension forecast, and no idea what any of it adds up to as a monthly income.
By the end of the first review you will have a figure, a date, and a plain explanation of how both were arrived at — in pounds per month, not percentages.
Four steps, then reviewed every year.
Gather
We collect every pension, savings account and state pension forecast you have, including the ones from jobs you left decades ago.
Model
We work out what all of it produces as a sustainable monthly income, and at what age, using assumptions we show you rather than hide.
Plan
You get a written plan with a target date, a drawdown order, and the specific gaps worth closing between now and then.
Review annually
Pensions change, markets move, and life takes its turns. We revisit the plan every year and adjust the number honestly.
We are not wealth managers.
We do not sell investment products, we are not paid commission, and we are not trying to move your money somewhere we manage it. We are paid to plan, which means the answer can be that you already have enough and should stop worrying.
Let’s find your number.
A single conversation is usually enough to tell you where you stand and what’s left to figure out.