Advisory engagement
Pre-retirement income planning
Shape how salary, pensions, and savings will fund the years after you stop full-time work — including drawdown timing and tax bands.
Who it is for
Teachers, civil servants, business owners, and private-sector professionals who can see retirement on the horizon and want to know whether the numbers support the lifestyle they imagine — including part-time work, travel, or supporting adult children.
What we cover
State pension forecasts, defined contribution drawdown sequencing, tax-free cash options, ISA withdrawals, and the order that keeps you in sensible tax bands. We also flag when delaying a workplace pension access date may be worth more than starting early.
What we leave out
Investment stock-picking and day-to-day portfolio trading. Where funds need changing, we explain the rationale and the charges involved; ongoing discretionary management is a separate conversation if you want it later.
Delivery
Two meetings (fact-find and recommendation), a written income map, and a checklist for HR, pension providers, and HMRC forms you may need. Available in Cormier Heath or by video.
Next step
Schedule a pre-retirement conversation and share your target leave date if you have one.