Consultation
Retirement Income Planning
Map pension pots, state entitlements, and drawdown choices into a clear income plan for life after work.
Who it is for
Individuals and couples within five to fifteen years of leaving full-time work, or already drawing pensions who need a clearer income structure
Result you can expect
A documented retirement income plan covering drawdown sequencing, tax wrappers, cash buffers, and annual review checkpoints
Included
- Full review of workplace pensions, SIPPs, and annuity options already held
- Cash-flow projection under three market and longevity scenarios
- Written recommendations with rationale and risk warnings
- One follow-up meeting within ninety days of plan delivery
Not included
- Discretionary portfolio management or trade execution
- Tax return preparation or HMRC representation
- Legal drafting of wills or trusts
How the engagement runs
- Discovery call to confirm suitability and gather documents
- Fact-find meeting covering income needs, dependents, and risk tolerance
- Analysis and draft plan presentation
- Final recommendations and implementation guidance
Preparation
Gather recent pension statements, P60s, mortgage details, and a list of monthly essential outgoings.
Constraints: Advice is personal and regulated; we cannot issue generic product tips without a client agreement.