Engagement process
A retirement planning engagement is a sequence with a deliverable at each step. Here is what to expect, in order.
Step 1 — Position
We start by gathering the facts that determine retirement readiness: your national pension entitlement, employer retirement account balances, personal savings, insurance cash values, and any income from real assets. Everything goes onto a single position sheet — what you hold, what is owed to you, and what each line is projected to pay and when.
This step usually takes one consultation. If your records are scattered, we give you a checklist so you can gather them before the next session.
Step 2 — Model
From the position sheet we build a year-by-year model of your retirement income. The model shows when each income source turns on, how many years your assets need to last, and the shortfall — if any — that long-term savings still has to cover.
We then stress-test the model. Inflation runs higher than expected; lifespan runs longer than average; one income source starts later than planned. The model shows how your plan holds up under each of these, and which one matters most for you.
Step 3 — Plan
The engagement closes with a written savings plan. It names a monthly contribution target, an account structure, and a review cadence. It also records the assumptions behind the model, so you can revise the plan yourself when circumstances change.
You keep the model file. A follow-up review is offered at a cadence we agree on, but it is never required — the plan is yours to take to any provider.
What we need from you
To make the first consultation productive, bring what you already have: a recent national pension statement, the latest balance for each retirement account, and a rough monthly figure for your expected living costs in retirement. If you do not have all of these, we will help you identify them during the session.
Ready to begin? Arrange a consultation and tell us your stage — early career, mid-career, or within ten years of retirement.