Flagship consultation
Retirement Income Planning
A structured review of pensions, drawdown options, and cash-flow needs so your later years rest on clear figures rather than hope.
Who it is for
Individuals and couples within ten years of leaving work, or already drawing from pensions who want a clearer income map.
What you receive
A written retirement income plan covering likely monthly income, tax considerations, and sequenced withdrawals from workplace schemes, personal pensions, and other holdings.
Scope
Full review of existing pension arrangements, State Pension forecast, planned expenditure, and risk tolerance. Includes a follow-up call to walk through recommendations.
Provider
Advised by a Beacon Row consultant under UK financial advice standards applicable to the engagement.
Included
- Document checklist and pre-meeting questionnaire
- Two consultation sessions (typically 90 minutes each)
- Written income plan with withdrawal sequencing notes
- One follow-up call within 30 days of delivery
Not included
- Discretionary investment management
- Tax return preparation
- Legal drafting of wills or trusts
How the engagement runs
- Submit an enquiry with your rough retirement date and current pension types
- Receive a document checklist and book the first session
- First session: gather facts, clarify goals, identify gaps
- Second session: review draft plan and agree next steps
- Receive the written plan and optional follow-up call
Timeline
Most engagements complete within three to five weeks from the first meeting.
Where we meet
Consultations by video call across the UK, or in person at our Wales office by arrangement.
Preparation
Gather recent pension statements, State Pension forecast, and a rough monthly spending list before the first session.
Constraints
We advise on arrangements we can reasonably review from the documents provided. Complex overseas pensions may require specialist referral.
Fees
From £1,450 for a standard two-session retirement income engagement. Complex multi-scheme cases quoted individually.
Request a planning consultation via the contact form and note your intended retirement window.
Request this consultation