Who it is for
Individuals and couples within five to ten years of stopping paid work, or already drawing pension income who want clearer monthly cashflow.
Flagship consultation
Consultations
Retirement Income Planning
A structured review of pensions, drawdown options, and lasting income needs for people approaching or already in retirement.
The result
A written retirement income map covering state pension timing, private pension options, and a sustainable withdrawal approach matched to your spending pattern.
Scope of the engagement
Discovery meeting, document review, cashflow modelling, and a plain-English recommendation letter with next steps you can take with your existing providers.
Included
- Two advisory meetings (in person in Scotland or by video)
- Review of state pension forecast, workplace and personal pensions
- Tax-efficient withdrawal sequencing outline
- Written income plan with assumptions stated clearly
- One follow-up call within 30 days of the recommendation letter
Not included
- Discretionary investment management
- Execution of trades or pension transfers without separate instruction
- Legal drafting of wills or lasting powers of attorney
Provider
A named Harbor Line adviser holds the engagement from first conversation through to the written plan.
Process
- Introductory call to confirm suitability and gather a document list
- Fact-find meeting covering income needs, dependents, and risk comfort
- Analysis and draft plan preparation
- Recommendation meeting and written letter
- Optional follow-up call to clarify actions with your pension providers
Duration & location
Typically four to six weeks from first meeting to recommendation letter.
Meetings at our Scotland office or by secure video; documents accepted by encrypted email or post.
Preparation
Bring recent pension statements, state pension forecast, mortgage or rent details, and a simple monthly budget.
Constraints
We advise on personal financial planning only. Complex trust or overseas pension arrangements may require a specialist referral.
Pricing basis
Fixed engagement fee from £1,450, confirmed after the introductory call once document volume is clear.
Next step
Request a retirement planning conversation via the contact form or telephone.