Advice area
Comprehensive Retirement Planning Review
A structured review of your pensions, State Pension timing, drawdown choices, and tax wrappers so retirement income feels planned rather than guessed.
Flagship engagement
Request this consultation
Who this is for
Individuals and couples within roughly ten years of leaving full-time work, or those already drawing from pensions who want a clearer map of income, tax, and longevity risk.
What you receive
A written retirement income plan covering existing arrangements, projected shortfalls or surplus, recommended sequencing of withdrawals, and a shortlist of product or transfer actions only where they serve the plan.
Included
- Fact-find of workplace schemes, SIPPs, personal pensions, and State Pension forecasts
- Cash-flow illustration across early, mid, and later retirement stages
- Review of death benefits, nominated beneficiaries, and inheritance tax interactions
- Plain-English written report and a follow-up call to walk through recommendations
Outside this engagement
- Discretionary portfolio management or day-trading of investments
- Accountancy filings or formal tax return preparation
- Guaranteed investment returns or market timing advice
How we work through it
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Discovery call
We clarify your retirement date options, essential spending, and any dependents or property plans that shape the brief.
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Document gathering
You share scheme statements, annuity quotes if any, and recent benefit statements so we can work from accurate balances.
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Analysis & report
We model income paths, tax wrappers, and contingency buffers, then present findings in a face-to-face or video meeting.
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Implementation support
Where you instruct us, we help complete application paperwork and liaise with providers within the agreed scope.
Typical timeline: Typically four to six weeks from discovery call to final report, depending on how quickly scheme information arrives.
Delivery: Meetings at our Bosco Green office, by video, or at your home within a reasonable travel radius of England’s south and midlands by arrangement.
Preparation: Bring recent pension statements, a note of monthly household spending, and any existing wills or lasting powers of attorney.
Fees: Fixed engagement fee from £1,850, confirmed in writing after the discovery call once complexity is clear. See the fee guide for factors that affect the quote.