Flagship consultation

Retirement Income Planning

A structured advisory engagement that maps your pensions, ISAs, and other savings into a clear income plan for the years around leaving work.

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Who this suits

Households within roughly ten years of leaving paid work, or already drawing from pensions, who want a written income sequence rather than scattered product leaflets. Especially useful when you hold more than one workplace scheme, a personal pension, and taxable savings that need ordering.

What you leave with

A documented retirement income plan covering which pots to draw from first, how much cash buffer to keep, tax wrapper priorities, and a review timetable. You also receive a plain-language summary you can share with a spouse or solicitor.

What is included

  • Full fact-find covering pensions, State Pension forecasts, ISAs, cash, and property equity used for living costs
  • Cashflow illustration for the first decade of retirement under two spending scenarios
  • Recommendation on drawdown versus annuity purchase where relevant, with reasons recorded
  • Tax wrapper sequencing notes for ISAs, pensions, and general investment accounts
  • One follow-up call within 90 days to adjust the plan after implementation steps

What is not included

  • Discretionary investment management or ongoing portfolio dealing
  • Legal drafting of wills or lasting powers of attorney
  • Mortgage or equity-release arrangement

How the engagement unfolds

  1. 1

    Discovery call

    We confirm your leave date (or recent leave), dependants, and the questions that matter most — for example bridging until State Pension age or protecting a surviving spouse.

  2. 2

    Document gathering

    You send scheme statements, State Pension forecasts, and recent tax returns. We list gaps before the planning meeting so time is not lost hunting figures.

  3. 3

    Planning meeting

    We walk through income needs month by month, stress the plan against a market dip in early retirement, and agree a preferred sequence of withdrawals.

  4. 4

    Written plan and next steps

    You receive the plan, fee invoice for agreed implementation help if any, and a checklist of actions you or your existing providers must complete.

Preparation

Bring latest pension statements, P60 or self-assessment summary, and a rough monthly budget for housing, travel, and family support. If a partner will share the plan, they should attend the planning meeting.

We advise on UK-regulated products and UK tax treatment. Overseas pensions and non-UK property require specialist referral before we can include them in the plan.

Ask about retirement income planning

Tell us your intended leave year and the pensions you hold. We reply within two working days with availability and a fee quote.

Enquire about this advice