Free 45-minute review · no obligation
Is your pension on track for the retirement you actually want?
A focused review for Manx residents within fifteen years of retirement. We look at the pensions you already hold, the income they'll realistically deliver, and the gap (if any) between that and the retirement you have in mind. No product pitch.
Reviewed by a Chartered Financial Planner. Regulated by the Isle of Man Financial Services Authority.
Request received, James.
In a live build, an adviser would be in touch within one working day to arrange the review. For now, this is a demonstration of the form flow. Back to the homepage →
What you'll get
In your 45 minutes, four things.
A clear read on what your existing pensions will likely deliver in retirement income, in today's money.
A view on the gap (or surplus) against the lifestyle you've described.
Three or four specific things worth doing in the next twelve months - whether you become a client or not.
Honest advice on whether full ongoing wealth management is the right fit, or whether a one-off plan would do.
“I'd been topping up a pension for twenty years without ever really asking the question - will it be enough? The review answered it in plain English, with the numbers behind it. Worth the hour.”John Killip · retired director, Onchan · client since 2023
Why this review
Most people approaching retirement don't have a clear answer to one question.
"What will my income actually be when I stop working?"
It's not because the question is hard - it's because most pension statements show pot values, not income. And most people have more than one pot, across more than one provider, often in more than one jurisdiction.
The review pulls those pots together, projects them forward in today's money, and shows you the income you can realistically expect. Then it does the same for the income you'll actually need. The gap (or surplus) is the conversation worth having.
How it works
Three steps. Forty-five minutes. No commitment.
You send us the basics.
Names of your pension providers, an estimate of values, and what you imagine retirement looking like. A short conversation, not a fact-find.
We do the analysis.
The adviser pulls the numbers together, projects them forward, and prepares a one-page summary you can read in five minutes. We do this before the meeting, not during it.
We meet for 45 minutes.
We walk through the summary together. You leave with the numbers, the three or four specific actions worth taking, and a clear sense of whether ongoing advice would help.
Questions we hear most
Worth knowing before you ask.
Is the review really free?
Yes. We don't charge for the initial review, and we don't earn commission from product providers. It's at our cost because the conversation is how we figure out whether becoming a client makes sense for you. If it doesn't, no harm done.
What if I have UK pensions as well as Manx?
Most of our clients do. We hold the permissions to advise on both, and the analysis will consider both sides together - including the question of whether consolidation makes sense, where it does and doesn't.
What if I'm already retired?
We can still help. The review for someone already retired focuses on income sustainability, drawdown strategy, and the tax position around withdrawals - not accumulation. The format is the same.
Do I have to become a client afterwards?
No. The actions we identify in the review are yours to use, with us or without us. If you'd rather take them away and act on them independently, that's fine.
Worth the forty-five minutes?
The review is free, honest, and you keep what comes out of it.
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