Evidence
Client stories
These notes describe specific meetings, constraints, and outcomes. They are not star ratings or marketplace widgets.
“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
“We arrived wanting to gift our daughter a deposit immediately. Priya’s colleague walked through care-cost scenarios that made us keep a larger cash buffer than we first intended. The gift still happened — just six months later, after we rebuilt the emergency reserve.” Anne M. — Inheritance & Estate Cashflow Brief
“As a contractor I used to dump whatever was left in March into a pension and hope for the best. The tax-year session gave me a sequence: corporation tax estimate first, then pension, then ISA. My accountant said the notes were unusually usable.” Tom K. — Self-Employed Tax-Year Planning
Case note
Two schemes, one early retirement date
A couple aged 58 and 56 held a final-salary entitlement and three defined-contribution pots. They wanted to stop full-time work at 60. Over four weeks we modelled bridge income using ISAs first, delaying State Pension for the higher earner, and leaving the defined-benefit pension untouched until its normal retirement age.
The mild reservation they voiced afterward: the written plan felt dense. We now issue a one-page “kitchen table” summary alongside the longer document.
Case note
Investment policy after an inheritance
A client received a taxable estate distribution and wanted it invested within a month. The policy review slowed that urge: we parked cash in a notice account while documenting risk capacity, then phased purchases over two ISA years rather than buying everything on a single volatile week.
They later said the waiting felt uncomfortable, yet preferred it to guessing fund choices from a newspaper tip.