Pension Health Check
A single deep-dive session that scores contribution levels, charges, and risk mix against your age and target retirement date.
UK financial advice & consulting · East Boehm
Steady counsel for the decisions that shape a working life’s savings.
Charter Vale helps individuals and families read pension statements, sequence retirement income, and weigh gifts against their own later-life needs — without sales pressure or product quotas.
Meetings by appointment at our East Boehm rooms — or by video when travel is difficult.
Flagship engagement
Retirement Income Mapping
For clients within five years of leaving full-time work — or already drawing from pensions — we inventory every pot, test drawdown and annuity mixes, and leave you with a written income schedule you can revisit annually.
Engagements typically run three meetings over four to six weeks. Fees start from £1,850 depending on the number of schemes.
Related counsel
Alongside retirement mapping we offer focused reviews for savers mid-career, families planning gifts, and directors approaching the tax-year end.
Inheritance & Estate Cashflow Brief
Practical sequencing of gifts, life cover, and investment withdrawals so family support does not quietly erode your own later-life income.
Investment Policy Review
An impartial look at how your existing portfolios behave under stress, with a written policy you can share with any platform or stockbroker.
Self-Employed Tax-Year Planning
A pre–5 April working session that balances corporation tax, personal allowances, and pension contributions without starving the business of cash.
How meetings work
A consultation process built for paperwork, not pitch decks
Every engagement begins with a short suitability conversation, a document checklist, and a clear fee quote before any modelling starts. You keep your existing providers unless you choose otherwise.
From the client ledger
Voices from recent retirement and pension engagements — specific about the work, not polished slogans.
“They made us list every workplace scheme, including the old one from a retailer I left in 2009. The options meeting was slower than I wanted, but we finally understood why a full annuity would leave us short on the house repairs we had planned.” Helen & David R., Retirement Income Mapping
“The health check letter was blunt about my fund charges. I still have not switched everything — that is on me — but at least I know which two pots deserve attention this year.” James O., Pension Health Check
Request a meeting
Share your approximate retirement horizon and how many pension pots you hold. We aim to reply within two working days.