Services designed around your needs
Every situation is different. Choose the service that matches where you are right now.
Pension Review & Consolidation
Perfect for those with multiple pension pots who want clarity
If you've changed jobs over the years, you probably have several pensions scattered around. We'll track them all down, analyze what they're costing you, and create a clear consolidation strategy.
What's included:
- Complete pension audit and location service
- Fee comparison across all your pensions
- Fund performance analysis
- Consolidation recommendations with rationale
- Transfer value assessment
- Implementation support and paperwork assistance
Retirement Income Planning
For those approaching retirement who need an income strategy
Drawing your pension tax-efficiently makes a significant difference to how much you keep. We'll model different scenarios and create a strategy that maximizes your income.
What's included:
- Tax-efficient drawdown strategy
- Multiple retirement date scenarios
- Income projection modeling
- Tax-free lump sum optimization
- State pension integration planning
- Annual review recommendations
Pension Transfer Advice
Specialist advice for defined benefit pension transfers
Transferring a defined benefit pension is a significant decision that requires careful analysis. We provide the specialist advice required by law, with a thorough assessment of all your options.
What's included:
- Complete transfer value analysis
- Comprehensive risk assessment
- Alternative options evaluation
- Critical yield calculations
- Full regulatory compliance documentation
- Ongoing transfer support
Comprehensive Retirement Strategy
Complete planning across all your retirement finances
This is our most complete service, covering pensions, investments, property, and estate planning. We create an integrated strategy with ongoing support to keep you on track.
What's included:
- Full financial situation review
- Multi-asset retirement strategy
- Pension consolidation and optimization
- Investment portfolio review
- Property and asset planning
- Estate planning integration
- Quarterly review meetings for the first year
- Ongoing strategy adjustments
State Pension Maximization
Ensure you're getting every penny you're entitled to
Many people have gaps in their National Insurance record that could reduce their state pension. We'll identify any issues and show you exactly how to fix them.
What's included:
- National Insurance record analysis
- Gap identification and quantification
- Voluntary contribution cost-benefit analysis
- Optimal claiming strategy
- Deferral benefit calculations
- Implementation guidance
Early Retirement Planning
Specialized planning for retiring before traditional age
Retiring early requires different planning. You'll need strategies to bridge the gap before your pension becomes accessible, and careful modeling to ensure your money lasts.
What's included:
- Early access strategy development
- Income bridging plan
- ISA and non-pension asset optimization
- Longevity risk modeling
- Healthcare cost planning
- Inflation protection strategy
Not sure which service you need?
We can help you figure that out. Schedule a no-obligation consultation and we'll discuss your situation to recommend the best approach.
Get in touchCommon questions about our services
Do I pay upfront?
No. Payment is taken after our initial meeting, once you've decided to proceed. If we're not the right fit, there's no charge for that first conversation.
What if I need more than one service?
We often combine services for clients with complex situations. In those cases, we'll discuss a package approach that makes financial sense.
How long does each service take?
Most services are completed within 2-4 weeks, depending on how quickly we receive information from pension providers. The Comprehensive Retirement Strategy includes quarterly meetings across a full year.
Do you charge ongoing fees?
Only for the Comprehensive Retirement Strategy, which includes quarterly reviews. All other services are one-time fees with no ongoing charges unless you specifically request ongoing support.