Advice area
Retirement Income Planning
Map pensions, ISAs, and State Pension timing into a sustainable drawdown plan for life after work.
Flagship engagement: what you receive
Our retirement income planning engagement is the firm’s primary advisory service. It is designed for people preparing to leave paid work — or already drawing pensions — who want a written plan for sustainable income, tax-aware withdrawals, and clear next steps.
Who it is for
Households within ten years of leaving paid work, and those already drawing pension income who need a clearer structure.
The outcome
A written retirement income plan covering projected cashflow, tax wrappers, and sequenced withdrawals.
Scope of work
Full review of workplace pensions, personal pensions, SIPPs, ISAs, and State Pension forecasts; modelling of drawdown versus annuity options; tax-efficient sequencing.
Included
- Fact-find meeting and document checklist
- Cashflow projection across retirement stages
- Written recommendation letter and next-step actions
- One follow-up call within 90 days
Not included
- Discretionary investment management
- Tax return preparation
- Legal drafting of wills or trusts