Pension Planning Consultation
A comprehensive analysis of your current pension arrangements across all providers. We examine fee structures, investment performance, contribution levels, and tax efficiency to identify specific opportunities for improvement.
What's Included:
- Full audit of existing pension pots and schemes
- Fee comparison and cost-benefit analysis
- Investment performance review against benchmarks
- Tax efficiency assessment
- Written report with actionable recommendations
- 60-minute consultation session
Retirement Income Strategy
Custom income planning that ensures your pension provides sustainable income throughout retirement while minimizing tax liability and protecting against longevity risk.
What's Included:
- Lifetime cash flow projections
- Tax-efficient withdrawal strategy
- State pension optimization
- Longevity risk assessment
- Investment drawdown planning
- Annual review session included for first year
Pension Transfer Advice
Expert analysis and guidance on whether transferring a defined benefit pension or consolidating multiple pension pots makes financial sense for your specific circumstances.
What's Included:
- Transfer value analysis and comparison
- Risk assessment and suitability review
- Alternative options evaluation
- Detailed transfer report (FCA compliant)
- Implementation support if proceeding
- Follow-up consultation after 6 months
Pension Review & Optimization
Annual health check ensuring your pension strategy remains aligned with changing regulations, market conditions, and your personal circumstances.
What's Included:
- Performance review against objectives
- Fee structure reassessment
- Investment allocation rebalancing check
- Regulatory update briefing
- Optimization recommendations
- 30-minute follow-up call
Self-Invested Pension Setup
Complete SIPP establishment for individuals seeking greater control over their pension investments with tax-efficient structure and professional guidance.
What's Included:
- SIPP provider selection and comparison
- Account setup and administration
- Investment strategy design
- Transfer coordination from existing pensions
- Initial portfolio construction
- Ongoing management guidance documentation
Annual Pension Health Check
Streamlined yearly assessment for existing clients or those with straightforward pension arrangements who want to ensure everything stays on track.
What's Included:
- Quick performance snapshot
- Fee audit and comparison
- Contribution level check
- Regulatory compliance review
- Brief written summary
- Email support for follow-up questions