Retirement Income Mapping
Translate workplace pensions, SIPPs, and State Pension forecasts into a sustainable drawdown sequence before you leave work.
View consultationUK financial advice · Wales
Money decisions weighed with coastal calm
Fairwater Financial Advisory helps households and business owners map pensions, investments, and cash flow before the next large commitment — not after the paperwork is already signed.
Flagship consultation
Comprehensive financial planning
A structured engagement for people who hold pensions and savings across several providers and need a written sequence of actions — what to review this year, what can wait, and which risks still sit uninsured.
Meetings take place in Heaneyham or by video. Fees are quoted before paid work begins; there is no obligation after the free discovery call.
Related consultations
Other ways we can help
Each consultation is scoped separately so you are not sold a package you do not need.
Investment Portfolio Review
An independent look at existing ISA, GIA, and pension holdings for cost, risk, and whether they still match your aims.
View consultation
Business Owner Cash & Pension Advice
Align limited company extracts, director pensions, and household spending when trading profits need careful sequencing.
View consultationFrom clients
Evidence from real planning work
“We came in wanting someone to pick funds. Instead Fairwater made us list care costs for my mother before touching the ISA — slower than I hoped, but the plan finally matched our life in Wales.”
— Helen M., retirement income mapping
Guides
Reading before you book
Short articles on State Pension timing, first meetings, inheritance conversations, and director pensions.