Solstice Retirement Planning: a measured path toward a self-funded retirement.
We run focused planning consultations and tailored engagements for people who want a clear, working picture of their retirement readiness — income timelines, asset glide paths, and the savings habits that actually close the gap.
How retirement readiness planning actually proceeds
A planning engagement is a sequence, not a sales call. Each step produces something you keep — a read on your current position, a model of your future income, and a savings plan you can run on your own.
We start by reading where your savings and income stand today
Every engagement opens with a clear picture of the present. We gather your pension entitlements, current account balances, insurance cash values and any real-asset income, then place them on one position sheet so the whole picture is visible at a glance.
Next we project the gap your future income still has to close
That position sheet becomes a year-by-year projection: which income source switches on in which year, how long your assets must last, and the size of any shortfall your long-term savings still has to bridge. We stress the projection against inflation and a lifespan longer than average.
You leave with a savings plan you can run on your own
The engagement ends with a written plan: a monthly contribution target, the structure your accounts should take, and a review cadence. The model file stays with you, a follow-up review is offered rather than required, and nothing ties the plan to us.
Position sheet · income model · written savings plan · model file retained by you
Retirement readiness is a question with a real answer: will your income, when it arrives, cover the life you actually want to keep living?— the working question behind every engagement at Solstice Retirement Planning
Long-term savings, examined from the right direction
Each engagement is shaped around the decisions that move retirement readiness most. The conversation stays on your plan — no product is sold inside the consultation.
Savings rate and account structure
We look at how much of your income is becoming long-term savings, where it sits, and whether the structure of those accounts matches the timeline. Where the rate falls short of what your projection requires, the plan names the difference in concrete monthly terms.
Income sequencing and drawdown order
For clients closer to retirement, the engagement turns to the order in which accounts are drawn down — national pension first, registered savings next, taxable assets last — and how that sequence changes the number of years your money survives.
Send us a few lines about your retirement question
Tell us where you are — early career, mid-career, or close to retirement — and the part of readiness you are least sure about. We reply within two business days to set up a consultation. The scope and fee for any engagement are settled in writing before work starts.
A prominent link to our Steam store page is provided at the client's request; retirement planning services are delivered directly by Solstice Retirement Planning Co., Ltd..
This is for people who want their own numbers, modelled honestly. It is not for anyone looking for a guaranteed return or a product to buy on the spot.— how we keep consultations useful at Solstice Retirement Planning