Services Built for Real Retirement Goals

Each offering addresses a specific challenge in pension planning. Choose what matches your current situation.

Pension services overview

Comprehensive Pension Review

£487.50

A complete audit of your current pension position. We track down all your pensions, analyze contribution levels, fee structures, and investment allocations.

What You Get:

  • Full pension inventory across all providers
  • Projection of retirement income at your target age
  • Gap analysis showing shortfall or surplus
  • Fee comparison across your current arrangements
  • Actionable recommendations with specific next steps

Best For:

Anyone who hasn't reviewed their pensions in over two years, or those with multiple pension pots from different employers.

Pension review documentation
Retirement income planning

Retirement Income Strategy

£725.00

Transform your pension savings into a sustainable income stream. We model withdrawal strategies that balance your lifestyle needs with tax efficiency and longevity risk.

What You Get:

  • Tax-efficient withdrawal schedule
  • Optimal timing for accessing different pension pots
  • Integration with state pension and other income sources
  • Drawdown versus annuity analysis
  • Scenario modeling for different spending patterns

Best For:

Anyone within five years of retirement, or recently retired and needing to optimize income extraction.

Pension Consolidation

£595.00

Multiple pensions create administrative burden and make it impossible to see your total position. We consolidate them into a streamlined structure with lower fees and better oversight.

What You Get:

  • Analysis of all existing pensions for consolidation suitability
  • Identification of any exit penalties or protected benefits
  • Recommendation on optimal consolidation structure
  • Execution support through the transfer process
  • Post-consolidation investment strategy

Best For:

Career professionals with three or more pension schemes from previous employers.

Pension consolidation planning
Transfer analysis consultation

Defined Benefit Transfer Analysis

£1,250.00

Transferring a final salary pension is a major financial decision. This detailed analysis shows whether the transfer value offered represents good value against your guaranteed income.

What You Get:

  • Complete valuation of your defined benefit pension rights
  • Transfer value assessment against actuarial fair value
  • Comparison of guaranteed income versus flexible access
  • Risk analysis including longevity and inflation factors
  • Clear recommendation with supporting calculations

Best For:

Anyone with a final salary pension considering a transfer, or those who have been offered a transfer value and need independent analysis.

Annual Pension Health Check

£325.00

Pension planning isn't static. Regulations change. Your circumstances evolve. Markets move. An annual review ensures your strategy stays current.

What You Get:

  • Review of contribution levels against current income
  • Performance assessment of investment funds
  • Regulatory update on any changes affecting your plan
  • Adjustment recommendations for the year ahead
  • Updated retirement projection

Best For:

Existing clients maintaining their pension strategy, or anyone who wants regular professional oversight.

Annual pension review
Early retirement planning

Early Retirement Planning

£895.00

Retiring before the standard age requires careful bridging strategies. We model scenarios that make early retirement financially viable without depleting your long-term security.

What You Get:

  • Feasibility analysis for your target retirement age
  • Bridging strategy until state pension access
  • Contribution acceleration plan if needed
  • Tax-efficient withdrawal sequencing
  • Contingency planning for market downturns

Best For:

Anyone aiming to retire between ages 55-65, particularly those in high-stress careers or physically demanding roles.

Which Service Do You Need?

You're not sure what you have

Start with: Comprehensive Pension Review

You have multiple old pensions

Start with: Pension Consolidation

You're approaching retirement

Start with: Retirement Income Strategy

You want to retire early

Start with: Early Retirement Planning

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