Services Tailored to Your Retirement Journey
From initial pension reviews to comprehensive retirement strategies, we offer services designed to meet you wherever you are in your planning process.
Our Service Packages
Each package is designed for different stages of retirement planning. All prices include VAT.
Pension Health Check
A focused review of your current pension arrangements to identify gaps, opportunities, and areas needing attention.
- Review of up to 3 pension schemes
- State pension forecast analysis
- Written summary report
- 60-minute consultation call
Retirement Roadmap
Comprehensive retirement planning service that maps out your path from current situation to retirement goals.
- Full pension portfolio review
- Retirement income projections
- Tax efficiency analysis
- Detailed action plan document
- Two consultation sessions
Couples Retirement Plan
Coordinated retirement planning for couples who want to optimise their combined pension arrangements.
- Both partners' pensions reviewed
- Joint retirement income strategy
- Inheritance tax considerations
- Survivor benefit analysis
- Joint consultation sessions
Additional Services
Defined Benefit Transfer Analysis
Specialist analysis required when considering transferring a defined benefit pension worth over £30,000.
- Transfer value assessment
- Critical yield calculation
- Guaranteed benefit comparison
- FCA-compliant suitability report
Annual Review
Ongoing support for clients who want regular check-ins as circumstances change.
- Annual pension review meeting
- Portfolio performance update
- Regulatory changes briefing
- Email support throughout year
At-Retirement Support
Hands-on guidance when you're ready to access your pension, helping you choose the right approach.
- Annuity vs drawdown analysis
- Tax-free lump sum guidance
- Sustainable withdrawal rates
- Provider comparison support
Why Our Approach Works
Evidence-Based Analysis
Every recommendation we make is backed by careful analysis of your pension documents, not assumptions or generic advice.
Clear Documentation
You receive written reports that explain our findings and recommendations in plain language, so you can refer back whenever needed.
Ongoing Dialogue
Questions don't stop after our meetings end. We're available to clarify points and discuss concerns as they arise.
Respectful of Your Time
We work efficiently and don't schedule unnecessary meetings. When we meet, it's because there's something meaningful to discuss.
Service Comparison
| Feature | Health Check | Roadmap | Couples Plan |
|---|---|---|---|
| Pension scheme review | |||
| State pension analysis | |||
| Income projections | |||
| Tax efficiency review | |||
| Partner coordination | |||
| Inheritance planning | |||
| Consultation sessions | 1 | 2 | 3 |
How We Work Together
Initial Contact
Reach out with your questions or concerns. We'll have a brief preliminary conversation to understand if our services are right for your situation.
Information Gathering
We'll request relevant documents including pension statements, state pension forecasts, and any transfer values you've received.
Analysis Period
Our team reviews your documents, runs projections, and identifies the key factors that will shape our recommendations.
Consultation Meeting
We meet to discuss our findings, explain your options, and answer all your questions. This is a conversation, not a sales pitch.
Frequently Asked Questions
For a Pension Health Check, expect 2-3 weeks from initial contact to receiving your report. The Retirement Roadmap typically takes 4-6 weeks as it involves more comprehensive analysis. Couples plans may take slightly longer as we coordinate both partners' information.
We work with all UK pension types including workplace pensions, personal pensions, SIPPs, and defined benefit schemes. We have particular expertise in public sector schemes like the NHS Pension, Teachers' Pension, and Local Government Pension Scheme.
Our core services are consultancy-based rather than discretionary management. However, our Annual Review service provides ongoing support for clients who want regular check-ins. We can also recommend suitable platforms and providers if you need investment management services.
You receive a detailed written report summarising our analysis and recommendations. We remain available for follow-up questions for 30 days after delivery. If you'd like ongoing support, you can subscribe to our Annual Review service.
Yes. We offer secure video consultations for clients across the UK. Most of our clients now prefer this option as it eliminates travel time and allows them to participate from the comfort of their own home.
Ready to Take the Next Step?
Contact us to discuss which service would be most appropriate for your circumstances.
Get In Touch