Retirement income planning
A full cashflow and drawdown consultation for people approaching or already in retirement who need a durable income map under UK tax rules.
Consultations
Advice areas we take on
Every engagement begins with a scoped consultation. Fees are quoted before work starts; product recommendations, if any, follow only after your objectives and capacity for loss are documented.
Investment portfolio review
A structured review of existing ISAs, GIAs, and pensions — charges, concentration risk, and whether the mix still matches your time horizon.
Business owner wealth consulting
Coordinating director pension contributions, dividend versus salary choices, and personal protection when company cash needs collide with household goals.
Protection & estate briefing
A focused session on life cover, critical illness, and how wills and trusts sit alongside your pension nominations and existing advice file.