Consultation
Retirement Income Map
A written plan for sequencing State Pension, workplace pots, and ISAs so retirement spending stays funded without guesswork.
From £1,450 for a standard household engagement
Who it is for
Couples and individuals within five to ten years of leaving full-time work, or already drawing pots who want a clearer order of withdrawals across UK pension schemes.
What is included
- Fact-find covering State Pension forecast, DB/DC pots, ISAs, and essential spending
- Two working sessions (discovery and recommendation)
- Written Retirement Income Map with withdrawal sequence and contingency notes
- Follow-up call within thirty days to answer implementation questions
What is not included
- Discretionary investment management or ongoing portfolio trading
- Formal regulated product recommendations outside the agreed scope
- Tax return preparation or HMRC representation
How we work together
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1
Gather statements
You send pension annual statements, State Pension forecast, and a simple spending diary. We flag gaps before we meet.
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2
Discovery session
A ninety-minute appointment to test retirement dates, part-time work plans, and what “enough” means for your household.
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3
Recommendation session
We walk through the Income Map—which pot funds which years—and note where advice stops and personal preference begins.
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4
Written handover
You receive the map as a PDF with action steps and open questions for your solicitor or accountant if needed.
Practical details
- Duration
- Typically three to five weeks from complete paperwork to final map
- Delivery
- In-person at our Northern Ireland office or by secure video for clients elsewhere in the UK
- Preparation
- Bring the latest annual statements for every pension and a draft budget for the first five years of retirement
- Fees
- Fixed fee from £1,450 for one household; complex multi-scheme cases quoted after a free fifteen-minute triage call
- Next step
- Request a discovery call via the contact form and select Retirement Income Map