Client stories
What engagements felt like in practice
These notes come from people who used specific Foxmere consultations. They mention paperwork, timing, and trade-offs — not star ratings.
“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.”
“Our family meeting felt careful rather than rushed. Foxmere did not try to sell a trust product; they listed gift options and sent a note our solicitor could use.”
“Response times were realistic — a few working days, not overnight. The written recommendations matched what we discussed in the room, which is rarer than it should be.”
Extended story: sequencing four workplace pensions
A couple approaching retirement brought statements from four employers spanning twenty-two years. Two schemes offered modest guaranteed annuity rates; the others were flexible access. Rather than transferring everything into one SIPP on principle, we modelled keeping the guarantees and drawing the flexible pots first against their essential spending list.
The constraint was timing: one employer needed six weeks to produce a full transfer pack. Meetings paused until those figures arrived, which delayed the advice letter but avoided guessing. Implementation guidance then went to their chosen platform with a clear order of withdrawals for the first three years.
This kind of work sits inside our Retirement Income Planning engagement. If your situation involves fewer pots or a single drawdown decision, the fee and meeting count usually sit toward the lower end of our guidance on the fees page.