Flagship consultation
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.
Who this is for
Individuals and couples within ten years of leaving full-time work, or already drawing pension income. Typical triggers include leaving a final-salary scheme, consolidating several defined contribution pots, or deciding whether to delay State Pension while spending from ISAs.
What you receive
- A documented fact-find covering income sources, expenditure, debts, and dependants
- Cashflow projections under cautious, central, and adverse market paths
- A sequenced plan for which accounts to draw from first, with tax implications noted
- A written suitability letter summarising recommendations and what we deliberately left out
- One follow-up call within six weeks to adjust for new statements or life changes
What is not included
We do not provide regulated conveyancing, tax return preparation, or discretionary fund management as part of this consultation. Ongoing portfolio management can be discussed separately after the initial recommendation.
How the work unfolds
- Introductory call (30 minutes) — confirm the decision you need and whether our fee range fits.
- Fact-find meeting — bring pension statements, ISA valuations, mortgage details, and any existing advice letters.
- Analysis week — we model income, crystallisation choices, and emergency reserves.
- Recommendation meeting — walk through the letter; amend assumptions if needed.
- Implementation support — if you instruct us, we can help complete provider forms; product charges are separate from our advice fee.
Preparation
Gather the latest annual benefit statements, State Pension forecast, and a rough monthly spending figure that includes irregular costs such as car replacement and property maintenance. Couples should attend the fact-find together where both names appear on the assets.
Constraints
Advice is offered to UK residents only. We will decline cases that require overseas tax advice we are not authorised to give, or where you need an urgent product sale within days rather than a considered plan.