Retirement Income Planning
Map pension pots, state entitlements, and drawdown choices into a clear income plan for life after work.
Details & fees basisUK financial advice · Wales
Steady counsel for the years that reshape your income
Foxmere Investment Counsel helps households and owner-managers in Great Britain turn pensions, ISAs, and company cash into clear, written plans — without product theatre.
Flagship engagement
Retirement Income Planning
For people within five to fifteen years of leaving full-time work — or already drawing pensions — who need drawdown sequencing, tax wrappers, and cash buffers set out in one document.
Engagements typically run three to five meetings over six to ten weeks. Fees start from £1,850 and are agreed in writing before analysis begins.
What you leave with
A written income plan covering workplace pots, SIPPs, state entitlement assumptions, and annual review checkpoints.
What we do not do
Discretionary trading, tax return filing, or will drafting — we stay inside regulated financial advice.
Next step
Share your rough retirement window and existing statements via our contact form; we reply within two working days.
Consultations
Advice built around real holdings
Investment Portfolio Review
An independent look at existing ISA, GIA, and pension holdings against your goals, charges, and risk appetite.
Details & fees basis
Business Owner Cash & Pension Advice
Align company cash retention, director pension contributions, and personal drawings for owner-managed firms.
Details & fees basis
Inheritance & Family Wealth Conversation
Structured discussions on gifting, IHT allowances, and how investments sit alongside wills already in place.
Details & fees basis
Based in Wunsch-upon-Jacobi, serving clients across Wales and the wider GB market for personal financial advice.
How meetings feel
Fact-find first, recommendations second
We collect statements, ask about dependents and essential spending, then present options in pounds and timelines — not fund league tables. Read the full sequence on our approach page.
- Discovery call to confirm we are the right firm for your situation
- Documented fact-find covering pensions, cash, and risk tolerance
- Written advice with clear inclusions, exclusions, and next actions
From clients
Evidence from recent engagements
“We arrived with four workplace pensions and no idea which to draw first. The cash-flow charts were plain enough that my husband finally stopped arguing about the spreadsheet he had built at midnight.”
“The portfolio review found overlapping global equity funds I had collected over twelve years. I kept two holdings I like and sold the rest gradually — though I wish we had started the paperwork a month earlier before a busy tax year-end.”
“As a director I needed someone who would speak to my accountant without talking over him. The contribution scenarios showed what the company could spare after a van replacement, not just the maximum allowance.”
Guides
Notes on pensions, ISAs, and meetings
When a workplace pension statement needs a second look
Annual statements often bury transfer values and projected income. Here is what Welsh savers should check before changing jobs or retiring.
Read article
ISA allowances and the quiet cost of unused wrappers
Leaving ISA room unused is not always a mistake — but parking cash outside a wrapper while paying tax on interest often is.
Read article
Director pensions: salary sacrifice without starving the business
Owner-managers can fund retirement through the company — provided cash buffers and working capital stay intact.
Read article