Consultation
Retirement Income Planning
Map your pension pots, State Pension timing, and drawdown choices into a clear income plan you can live on.
Who it is for
Individuals and couples within ten years of leaving work, or already drawing pensions who want a steadier income path.
The result
A written retirement income schedule covering which pots to use first, how much to withdraw, and when to review.
Scope
Full review of workplace pensions, personal pensions, SIPPs, and any Defined Benefit statements you hold.
Included
- Cashflow projection across early, mid, and later retirement years
- Tax-efficient withdrawal sequencing across ISAs, pensions, and taxable accounts
- State Pension claim timing recommendations
- Written plan pack with assumptions clearly stated
Not included
- Discretionary investment management of your portfolios
- Legal drafting of wills or trusts
- Mortgage or equity-release product applications
How the engagement runs
- Introductory call to confirm goals and gather statements
- Fact-find meeting at our Upton Hackett office or by video
- Analysis of income needs versus available pots
- Recommendation meeting and written plan delivery
- Optional annual review once you begin drawing income
Preparation: Bring recent pension statements, P60s, and a rough monthly budget
Constraints: Advice is personalised and regulated; we cannot recommend products we are not authorised to advise on
Request a retirement planning conversation via our contact form
See appointment stages