Turn a lifetime of work into an income you can't outlive.
Retirement isn't a date — it's a 25-to-30 year financial event. We model the income you'll need, the assets you have, and the gap in between, then build the plan to close it.
What we cover
The decisions that shape your retirement
Most pre-retirees make the biggest financial decisions of their life under time pressure and with limited information. We slow it down and lay every option on the table.
Your retirement number
We model the after-tax income you actually need — not a generic rule of thumb — across your expected lifespan.
Tax-free lump sum
How much of your fund you can take tax-free, and the right sequence to draw it down.
ARF vs Annuity
Stay invested through an ARF, secure a guaranteed annuity income, or blend both. We model the trade-offs.
State Pension timing
When to claim, contribution gaps, and how it interacts with your private benefits.
Sequence-of-returns risk
Bad early years can ruin a good plan. We design drawdown to defend against it.
Estate & succession
Who inherits what, how, and with the smallest tax bite — coordinated with your will.
Why now
The 10 years either side of retirement are the most valuable in your financial life.
The decisions you make between roughly age 55 and 70 — fund choice, drawdown order, when to take tax-free cash, whether to annuitise — are largely irreversible. They deserve a written plan and a second opinion.
Inflation is the silent retirement tax
A 25-year retirement will see prices roughly double. Your plan has to assume it.
Cash isn't always safe
Sitting an ARF in cash because markets feel scary is itself a major risk.
You don't have to do it alone
Most of our retirement-planning clients say their single biggest regret is not starting the conversation sooner.
How it works
A simple, structured process
- 1
Discovery
We map your assets, pensions, lifestyle expenses and goals.
- 2
Modelling
We project your income across multiple scenarios and market conditions.
- 3
Recommendation
Written Statement of Suitability with the exact actions and providers.
- 4
Ongoing review
Annual reviews to keep your plan aligned with life and markets.
Next step
Book your retirement planning appointment
A qualified advisor will model your retirement income, stress-test it, and walk you through the decisions that matter most over the next 10 years.
Book your appointment →- Qualified, independent advisors
- No obligation discovery call
- Clear written recommendations
- Bookings via our mobile wallet app