Services built around outcomes, not products
Whether you need a comprehensive retirement strategy or focused advice on a specific pension decision, we offer planning that adapts to your needs.
Most advisors sell products. We solve problems. Each service we offer addresses a specific challenge our clients face as they plan for retirement.
Pension Health Check
Think of this as a financial audit for your retirement savings. We'll review every pension you hold, analyze the fees you're paying, assess fund performance, and identify opportunities you're missing.
What's included:
- Comprehensive review of all current pension arrangements
- Fee analysis and comparison against industry benchmarks
- Fund performance assessment over 5, 10, and 15-year periods
- Identification of contribution gaps or missed employer matches
- Written report with actionable recommendations
- 90-minute consultation to discuss findings
£847.50
Retirement Income Strategy
The most critical question in retirement planning: How do you convert your pension into income that lasts as long as you do, while paying the least tax possible?
What's included:
- Custom income projection modeling for multiple retirement scenarios
- Tax-efficient drawdown strategy tailored to your circumstances
- Coordination with State Pension and other income sources
- Annual allowance and lifetime allowance planning
- Emergency fund and liquidity planning
- Three annual reviews to adjust strategy as circumstances change
£2,195.00
Pension Consolidation
Most people change jobs multiple times throughout their career. Each job often means another pension pot. Consolidation can simplify your planning and potentially reduce fees.
What's included:
- Analysis of all existing pension schemes
- Transfer value comparisons and exit fee calculations
- Fund performance and fee analysis across all pots
- Recommendations on which pensions to consolidate (and which to keep separate)
- Complete transfer management and administration
- Post-consolidation portfolio review
£1,540.00
Final Salary Pension Review
Defined benefit pensions are rare and valuable. Transferring out is a major decision that requires specialist advice and regulatory compliance. We'll help you understand if it makes sense for your situation.
What's included:
- Full analysis of your defined benefit scheme benefits
- Transfer value assessment and comparison modeling
- Cash flow projections for both keeping and transferring
- Death benefits and survivor pension analysis
- Regulatory-compliant advice documentation
- Implementation support if transfer is recommended
£3,275.00
Estate & Inheritance Planning
Pensions can pass to beneficiaries tax-efficiently, but only if structured correctly. We'll integrate your pension with your broader estate plan to maximize what you leave behind.
What's included:
- Beneficiary designation review and optimization
- Inheritance tax mitigation strategies
- Coordination with existing wills and trusts
- Analysis of drawdown vs. annuity from estate perspective
- Inter-generational wealth transfer planning
- Regular reviews to ensure plans remain current
£1,890.00
Not sure which service you need?
Most clients start with a Pension Health Check to understand their current position, then move into more specialized planning based on what we uncover.
We'll help you determine the right starting point during your initial consultation.
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