Retirement Income Mapping
Model how State Pension, private pensions, and drawdown choices could fund the years after you leave employment.
View consultationUK financial advice & consulting · Wales
Oakminster Financial Planning
Written plans for pensions, inheritance questions, and director remuneration — grounded in UK tax wrappers and the decisions your household actually faces.
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Flagship engagement
Comprehensive Financial Planning Review
A structured advice engagement that maps income, pensions, protection, and tax wrappers into a written plan. Discovery, fact-find, cashflow illustration, and a recommendation meeting — typically four to six weeks, from £1,450 after a fixed quote.
We leave product applications for a separate instruction. The review itself is about clarity: what to fund first, what to leave alone, and which UK allowances matter for your year.
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Other ways clients work with us
Inheritance & Estate Conversation
Practical advice on wills, gifts, pension death benefits, and how UK inheritance tax allowances may affect your family.
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Business Owner Pension & Remuneration Review
Align salary, dividends, and pension contributions for directors of UK limited companies without overcomplicating payroll.
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How appointments work
From enquiry to written recommendations
We schedule discovery calls within a few working days, confirm fees in writing, then meet at 746 Drew Cliffs or by video. Documents stay with you until you choose to proceed.
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From clients
What the work felt like
“The retirement mapping showed we were overfunding cash ISAs while leaving workplace pensions untouched. We still disagreed on when to stop overtime, but at least the numbers were on one page.”
Helen & Mark P. — Retirement Income MappingReady to talk through a decision?
Tell us about the pension, inheritance, or company-pay question on your desk. We aim to reply within two working days.
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