Pensions
Pension Consolidation Review
Trace deferred workplace schemes and decide whether consolidation protects value or risks losing guarantees.
Riceborough, Wales — advice grounded in real household finances
UK financial advice & consulting
Retirement income, set out in plain English
Crown & Coast helps households turn pensions, ISAs, and protection cover into a plan they can follow — with written recommendations, transparent fees, and meetings that respect your time.
Primary engagement
Retirement Income Planning
Our flagship consultation maps workplace pensions, personal pensions, and State Pension timing into a drawdown sequence that funds day-to-day spending without guesswork.
- Cashflow projection across early, mid, and later retirement
- Tax-wrapper sequencing for ISAs and taxable pensions
- Written recommendation letter and a 90-day follow-up call
Related advice
Other ways we help
Each engagement stands on its own. We do not rename one service three ways — these are distinct pieces of regulated advice.
Estates
Inheritance Tax Advice
Map gifts, allowances, and estate liquidity before your solicitor drafts wills or trusts.
Protection
Family Cover Advice
Match life, critical illness, and income protection to mortgage and household commitments.
From clients
Evidence from real engagements
“The retirement cashflow meeting forced us to name our essential spending properly. The plan took longer than we hoped because one old pension scheme was slow to reply, but the written sequence for ISA and SIPP withdrawals was worth the wait.”
We work from Riceborough with clients across Wales and further afield in the UK. Meetings are available in person or by video. Fees are agreed before regulated advice begins.
We aim to reply within two working days.
From the guides
Notes on pensions, tax, and cover
State Pension timing
When delaying the State Pension helps — and when household cashflow says otherwise.
Consolidation without rushing
How we compare deferred workplace pensions before any transfer paperwork starts.
Gifts and IHT allowances
A calm starter map for annual exemptions and the seven-year clock.