Our Services
Comprehensive retirement planning support tailored to your specific needs and circumstances.
Core Services
Each service is designed to address specific aspects of retirement planning. Select what you need, or combine services for comprehensive support.
Pension Portfolio Review
A thorough analysis of all your pension arrangements, whether you have one scheme or a dozen accumulated over your career.
- Analysis of all pension statements
- Consolidation assessment
- Projected income calculations
- Identification of valuable benefits
- Written summary report
State Pension Analysis
Detailed examination of your State Pension entitlement and National Insurance record to ensure you receive your full entitlement.
- NI record review
- Gap identification
- Voluntary contribution analysis
- Deferral impact assessment
- Maximisation recommendations
Retirement Transition Planning
Comprehensive support for the years leading up to and immediately following your retirement date.
- Full pension portfolio review
- State Pension analysis
- Retirement date optimisation
- Withdrawal strategy options
- Ongoing support for 12 months
Additional Services
Couples Retirement Coordination
Help for couples who want to align their retirement timing and optimise household income in retirement.
- Joint situation analysis
- Timing coordination strategies
- Survivor benefit review
- Combined income projection
- Written household plan
Pension Tax Planning Session
Focused guidance on the tax implications of your pension decisions and withdrawal options.
- Tax relief maximisation
- Withdrawal tax planning
- Lifetime allowance guidance
- Annual allowance review
- Summary of recommendations
Single Issue Consultation
A focused session to address one specific question or concern about your retirement planning.
- 60-minute consultation
- Focused on your question
- Clear explanation of options
- Follow-up email summary
- Resource recommendations
Service Comparison
Find the right level of support for your situation.
| Feature | Single Issue | Portfolio Review | Full Transition |
|---|---|---|---|
| Initial consultation | 60 minutes | 90 minutes | 2 hours |
| Pension statement analysis | — | All schemes | All schemes |
| State Pension review | — | Basic | Comprehensive |
| Written report | Email summary | Full report | Full report |
| Follow-up support | Email only | 30 days | 12 months |
| Withdrawal strategy | — | — | Included |
| Tax planning session | — | — | Included |
Benefits of Working With Us
How Each Service Works
Pension Portfolio Review Process
You share your pension statements with us - we can work from whatever documentation you have. We analyse each scheme, identifying the type of pension, projected benefits, valuable features, and any concerns.
Our report explains each pension in plain language, shows how they fit together, and highlights decisions you should consider. If consolidation might benefit you, we explain the pros and cons. If certain pensions have valuable guarantees that should be kept, we make that clear.
State Pension Analysis Process
We start with your State Pension forecast and National Insurance record. Many people are surprised to find gaps they were unaware of - years of low earnings, time abroad, or periods caring for children that were not properly credited.
We calculate whether filling gaps through voluntary contributions would be worthwhile based on your specific situation. We also model the impact of deferring your State Pension versus claiming at State Pension age.
Common Questions About Our Services
For a pension review, we need your most recent pension statements or annual benefit statements. For State Pension analysis, we need your State Pension forecast and National Insurance record (both available from the government website). We can guide you through obtaining these if you do not already have them.
A single issue consultation is completed in one session. Pension portfolio reviews typically take 2-3 weeks from receiving your documents to delivering the final report. Full retirement transition planning unfolds over several months as we work through different aspects of your preparation.
Yes, all our services are available via video call. We work with clients throughout the United Kingdom using secure video conferencing. Documents can be shared electronically, and reports are delivered digitally.
Our Retirement Transition Planning service includes 12 months of follow-up support. For other services, you can book additional consultations as needed, or upgrade to a more comprehensive service. Many clients return to us as their situation changes or retirement approaches.
No. We provide information, education, and guidance. We do not sell pension products, receive commissions, or have arrangements with any pension providers. If you decide to make changes based on our guidance, you would implement those through your chosen providers or through a regulated financial adviser.
Not Sure Which Service You Need?
Start with an initial conversation. We will discuss your situation and goals, then recommend the service that would be most helpful. There is no obligation - this conversation helps us both understand whether our services are right for you.
Book an Initial ConversationTake the First Step Toward Retirement Clarity
Whether you need a quick answer or comprehensive planning support, we are here to help you understand your options.
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