When to check your State Pension forecast again
Why a State Pension forecast from three years ago may no longer match your NI record — and what to verify before you set a retirement leave date.
Harbour Crest Financial
Retirement income, pensions, and calm consulting
We help UK households and business owners turn scattered pension statements into a workable income plan — with clear fees, written recommendations, and meetings in Scotland or by video.
Flagship advice
Retirement income planning that starts with your leave date
Our core engagement is a structured retirement income plan: which pots to draw first, how much cash to keep for the early years, and how State Pension timing sits beside private pensions. You leave with a written sequence, not a stack of product brochures.
Meetings take place at our Quigley-on-Miller office or by video for clients elsewhere in the UK. Fees are agreed in writing before advice work begins.
Related consultations
Advice that fits the stage you are in
Not every client needs a full retirement plan yet. We also review workplace schemes after promotions, shape ISA and taxable portfolios for dated goals, and help directors coordinate personal planning with their accountant’s company work.
Browse all advice
Client evidence
What recent planning work looked like
Retirement income planning
We arrived with four workplace pots and no idea which to touch first. The written sequence for the decade after my husband left teaching was the first document our solicitor said made sense for both of us.
— Elaine M., Stirling
Workplace pension review
The meeting itself was useful, though I wished we had chased my old deferred pot statement a week earlier — we lost twenty minutes reconstructing figures. The contribution change with payroll still went through cleanly.
— Jamal R., Glasgow
From the journal
Notes on pensions and retirement timing
Drawdown versus annuity — questions worth asking first
Concrete questions UK retirees should ask before choosing pension drawdown or an annuity, beyond headline rates.
Salary sacrifice and your workplace pension in a promotion year
How a UK promotion can change the value of salary sacrifice into a workplace pension — and what to revisit with payroll.
Bring your pension statements to the table
Tell us your intended leave year or the decision you are stuck on. We reply within two working days with consultation availability and a fee outline.
Enquire about advice