Westmere Financial Planning

Flagship consultation

Retirement Income Planning

Map how your pensions, savings, and State Pension will fund the years ahead — with drawdown options weighed against your spending plans.

Notebook and calculator on a desk during a retirement planning review

Who it is for

Individuals and couples within ten years of leaving work, or already drawing pensions who need a clearer income map

What you leave with

A written retirement income plan covering cashflow, tax wrappers, and sequenced withdrawals

Duration & timeline
Initial meeting 90 minutes; follow-up written plan within 10 working days
Where we meet
In person at our Bruen Bridge office or by video call across the UK
Fee basis
From £850 for a full retirement income review. Fee confirmed after a complimentary discovery call
Preparation
Bring recent pension statements, details of ISAs and cash savings, and a rough monthly spending outline.

Included

  • Discovery call to clarify goals and constraints
  • Full review of workplace and personal pensions
  • Cashflow projection against your planned lifestyle spending
  • Written recommendations with rationale
  • One follow-up call to walk through the plan

Not included

  • Ongoing discretionary portfolio management
  • Tax return preparation or accountancy filing
  • Legal drafting of wills or trusts

How the engagement runs

  1. Complimentary 20-minute discovery call
  2. Document gathering (pension statements, P60s, savings summaries)
  3. 90-minute planning meeting
  4. Written plan delivered within 10 working days
  5. Follow-up call to agree next steps

Constraints

Advice is regulated and suitable for UK-resident clients. We do not advise on overseas pension transfers without a specialist referral.

Request this consultation Fee guidance