Consultation
Retirement Income Mapping
Translate workplace pensions, SIPPs, and State Pension forecasts into a sustainable drawdown sequence before you leave work.
Who it suits
People within roughly five years of leaving paid work, or those already drawing from one pot while others sit untouched. Couples with uneven pension histories benefit especially, because the schedule has to fund a shared household.
What you receive
A written income map showing which pots to draw from first, how State Pension timing interacts with tax, and a cash buffer target for the early retirement years. We note where an annuity quote or guaranteed product may deserve a second look — without assuming that path.
What we leave alone
We do not promise investment returns. We do not file tax returns. Legal documents such as wills remain with your solicitor.
Duration and place
Typically two meetings over three to five weeks, in Heaneyham or by video. Gather pension statements and a spending note before the first paid session.
