Retirement Income Planning

Who it is for

Households within ten years of leaving paid work, and those already drawing pensions who need a clearer income map.

What you receive

A written retirement income plan covering State Pension timing, workplace and personal pots, tax wrappers, and a year-by-year cash-flow sketch.

Scope of the engagement

Discovery meeting, full fact-find, cash-flow modelling, recommendation report, and a follow-up review call.

Included

• Review of existing pensions, ISAs, and other investments
• State Pension forecast interpretation
• Tax-efficient withdrawal sequencing outline
• Written suitability report with plain-English summary
• One follow-up call within 90 days of the report

Not included

• Ongoing discretionary portfolio management
• Legal drafting of wills or trusts
• Accounting or tax return preparation

Provider

Chartered financial planner with UK retail advice permissions

Typical timeline

Typically four to six weeks from first meeting to final report

Where we meet

Meetings at 2115 Gislason Pike, Upton Romagueraford, or by secure video call across the UK

How to prepare

Bring pension statements, recent payslips or P60s, mortgage details, and a note of essential monthly outgoings.

Constraints

Advice is available to UK residents only. We do not advise on overseas pensions without a UK transfer context.

Fee basis

Fixed engagement fee from £1,450, depending on the number of pension schemes and complexity of tax wrappers.

How the work unfolds

1. Introductory call to confirm fit and gather documents list
2. Discovery meeting (in person at our Northern Ireland office or by video)
3. Analysis and draft recommendations
4. Presentation meeting and written report
5. Optional follow-up within 90 days

Request a retirement planning consultation via the contact form. Compare fee guidance