Consultation
Retirement Income Planning
Map your pensions, State Pension timing, and drawdown choices into a clear income schedule for the years ahead.
Who it is for
Individuals and couples within ten years of stopping work, or already drawing pensions who need a revised income plan
What you receive
A written retirement income plan covering pension pots, State Pension, tax wrappers, and a sustainable withdrawal sequence
Included
- Full fact-find covering income, spending, pensions, ISAs, and other savings
- Analysis of defined contribution pots, annuities, and drawdown options
- State Pension forecast review and timing recommendations
- Tax-efficient withdrawal sequencing across wrappers
- Written report with cash-flow illustrations and next-step checklist
Not included
- Discretionary investment management or ongoing portfolio trading
- Legal drafting of wills or lasting powers of attorney
- Mortgage or equity-release product arrangement
How the engagement runs
- Introductory call to confirm suitability and gather documents list
- Face-to-face or video fact-find meeting
- Research and modelling of income scenarios
- Presentation of recommendations and written plan
- Optional implementation support for product switches or drawdown setup
Preparation
Bring recent pension statements, State Pension forecast, P60s, and a note of monthly household spending
Constraints
Advice is personalised and regulated; we cannot recommend products outside our permissions or for clients based outside the UK