Consultation

Retirement Income Planning

Map pension pots, State Pension timing, and drawdown choices into a clear income schedule for the years ahead.

From £1,850 · Typically 4–6 weeks from discovery to written plan · In-person in Corkeryham or by video call across England

Who it is for

Individuals and couples within five to fifteen years of stopping full-time work, or already drawing pensions who want a firmer income map.

A written retirement income plan covering pension sequencing, tax bands, emergency reserves, and a review calendar.

Bring recent annual pension statements, State Pension forecast, ISA summaries, and a note of essential monthly outgoings.

Advice is personal and regulated for UK residents. We do not advise on overseas pensions without specialist referral.

Discovery meeting covering pensions, ISAs, property equity, and spending patterns
Full benefit and State Pension forecast review
Modelled income scenarios for early, on-time, and delayed retirement
Written recommendations with plain-English rationale
One follow-up call within 30 days of delivery

1

Discovery

We gather pension statements, benefit forecasts, and a realistic household budget.
2

Modelling

We test income sequences against tax bands, longevity assumptions, and care-cost buffers.
3

Recommendations

You receive a written plan and we walk through each decision point together.
4

Follow-up

Within a month we revisit open questions and adjust timing if circumstances shift.