UK financial advice & consulting
Retirement income maps, portfolio second opinions, and tax-year savings sequences — written in plain English for households across England.
Our Retirement Income Planning engagement turns pensions, State Pension timing, and spending reality into a month-by-month schedule you can act on.
For individuals and couples within five to fifteen years of stopping full-time work — or already drawing pensions who want a firmer income map. Typically four to six weeks from discovery to written plan. From £1,850.
Each engagement is scoped separately. Choose the conversation that matches the decision in front of you.
Assess existing holdings for risk, cost, and alignment with your goals — without pressure to move money.
Consultation details
Structure ISA, pension, and allowance use so more of each pound stays working for you.
Consultation details
Talk through wills, gifts, and IHT exposure in practical terms before instructing solicitors.
Consultation detailsMore client stories“We came in with three pension pots and a vague hope of retiring at sixty-two. The income schedule they produced showed we needed another eighteen months of part-time work — inconvenient, but better than finding out after we had already stopped.”
Discovery, modelling, written recommendations, and a scheduled follow-up — the same rhythm whether you meet in Corkeryham or by video call.
Read the engagement guidePractical notes on pensions, ISAs, and family gifting — written for readers making real UK financial decisions.
Deferral rates, cash-flow gaps, and why the calendar of your other pensions should drive the decision — not a rule of thumb.
Tax relief, access ages, and emergency reserves — how we order contributions when both wrappers still have room.