Services
Retirement planning, matched to where you are in the journey.
Whether retirement is ten years away or already here, the right support looks different. Here’s how we work with each stage.
Almost everyone should start with the income plan. The rest follows from what it shows.
The three pillars
Three pillars that hold up.
01
Retirement Income Planning
One-off · four to six weeks
We map your pensions, savings and state pension into a sustainable monthly income built to last.
- Every pension traced and valued, including old workplace schemes
- A monthly income figure and the earliest realistic retirement date
- A written plan in plain English, no jargon and no product pitch
02
Drawdown Strategy
One-off · then annual
Deciding what to draw, what to leave invested, and in what order, so a bad year in the markets doesn’t become a bad decade for you.
- A withdrawal order across pensions, ISAs and cash
- Tax-aware sequencing for the years either side of retiring
- A stress test against a poor first five years of returns
03
Ongoing Reviews
Annual · included as standard
Annual check-ins that adjust your plan as pensions change, markets move, and life takes its turns.
- A yearly sit-down to revisit the number and the date
- Adjustments for legislation, inflation and changes at home
- Someone to call before you make an irreversible decision
How we are paid
Paid for the plan. No commission, ever.
You pay us for the planning work and nothing else. We are not paid commission on products, which is why we can tell you to stay exactly where you are if that is the right answer.