Comprehensive Pension Review
Most people have no clear picture of what they'll actually receive in retirement. This review maps every source: state pension entitlements, workplace schemes (current and previous), personal pensions, and any other retirement income.
You'll receive a detailed report showing projected income at various retirement ages, highlighting gaps between what you'll have and what you'll likely need. We also identify consolidation opportunities and flag schemes with excessive fees.
- Complete audit of all pension holdings
- State pension forecast verification
- Income projection modeling
- Gap analysis and initial recommendations
- Written report with actionable findings
Retirement Strategy Planning
Beyond knowing where you stand, you need a roadmap for getting where you want to be. This service builds a multi-year strategy covering contribution optimization, investment allocation, and tax-efficient withdrawal planning.
We model different scenarios: early retirement, phased retirement, working longer. Each path shows what it requires in terms of contributions and returns, giving you clear choices rather than guesswork.
- Multi-scenario retirement modeling
- Contribution optimization plan
- Investment allocation strategy
- Tax efficiency analysis
- Withdrawal sequencing framework
- Annual milestone roadmap
Ongoing Advisory Service
Retirement planning isn't a one-time event. Regulations change, your circumstances shift, markets move. This service provides continuous oversight and proactive adjustments to keep your plan on track.
Quarterly reviews ensure contributions remain optimized, annual recalculations account for any life changes, and you get immediate guidance when significant financial decisions arise.
- Quarterly progress reviews
- Annual full recalculation
- Regulatory change notifications
- Proactive strategy adjustments
- Priority email support
- Annual face-to-face consultation
Workplace Pension Optimization
Your workplace pension is likely your largest retirement asset, yet most people never optimize it. We analyze employer matching formulas, evaluate salary sacrifice options, and assess fund selection within your scheme.
Small changes—adjusting contribution percentages to maximize matching, shifting to lower-fee funds, utilizing salary sacrifice properly—can add tens of thousands to your final pot.
- Employer matching analysis
- Salary sacrifice optimization
- Fund selection review
- Fee comparison and recommendations
- Contribution level modeling
- Implementation guidance
Drawdown Planning
Approaching or already in retirement, how you withdraw matters as much as what you've saved. This service structures a withdrawal strategy that balances tax efficiency with longevity risk.
We model different drawdown approaches, showing the tax implications of each. You'll understand when to tap which pots, how to stay within efficient tax bands, and how to preserve capital for later years.
- Tax-efficient withdrawal sequencing
- Annual drawdown modeling
- Longevity risk assessment
- State pension timing optimization
- Emergency fund structuring
- Year-by-year withdrawal plan
Pension Consolidation Service
Multiple old workplace pensions scattered across different providers create unnecessary complexity and often hide excessive fees. This service evaluates whether consolidation makes sense and manages the process if it does.
We analyze each scheme's features, fees, and benefits to determine what should be consolidated and what should remain separate. Then we handle the administrative burden of transfers.
- Multi-scheme fee analysis
- Benefits and features comparison
- Consolidation recommendation report
- Transfer value assessment
- Administrative transfer support
- Post-consolidation verification
