Services
Three pillars of a retirement that holds up.
Retirement planning is not one conversation — it is an ongoing plan that adjusts as your life does.
Almost everyone should start with the income plan. The rest follows from what it shows.
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 does not become a bad decade for you.
- A withdrawal order across pensions, ISAs and cash
- Tax-efficient sequencing for the years either side of retiring
- A stress test against a poor first five years of returns
03
Ongoing Reviews
Annual
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
A fixed fee for the plan. No commission, ever.
You pay us for the planning work and nothing else. We do not receive commission from any provider, which is why we can tell you to stay exactly where you are if that is the right answer.