Advice

Retirement Income Planning

Map pension pots, state pension timing and spending needs so retirement income feels sustainable rather than uncertain.

Coins stacked beside a notebook for retirement savings

Who it is for

People within ten years of leaving work, or already drawing pension income.

Result

A retirement income schedule with drawdown options, tax considerations and contingency buffers.

Duration

Two to four weeks

Fee basis

From £750. Quoted after an introductory call.

Scope

Pension audit, income modelling, sequencing advice and a written retirement roadmap.

Included

  • Pension and State Pension review
  • Income and expenditure modelling
  • Drawdown and annuity comparison notes
  • Written retirement roadmap

Not included

  • Guaranteed annuity purchase execution
  • Defined benefit scheme valuation disputes

How it works

  1. Gather pension statements and spending estimates
  2. Model several retirement start dates
  3. Discuss trade-offs in a recommendation meeting
  4. Finalise your income plan in writing

Practical notes

Provider: Oakmere retirement-focused advisers

Location: Office or video

Preparation: Bring annual pension statements and a realistic monthly spending figure.

Constraints: Defined benefit transfers are only considered where independent advice requirements are met.

Ask about retirement planning