You’ve done the hard part.

You spent 30 or 40 years doing the right things.

You worked hard, saved diligently, stayed out of trouble, and built a meaningful pension pot.

Maybe £250k, £500k maybe £1m+....

You sacrificed.
You were sensible.
You played the long game.

But now, just as you're approaching the finish line… it doesn't feel like the relief you imagined.

Instead?

It feels heavy.
It feels confusing.
It feels like you're staring down a maze with no map.

You’re getting letters from pension providers you barely remember signing up with.

You’ve got 4–5 pots scattered across different schemes.

Each one has its own rules, its own charges, its own terms.

You’ve got savings. ISAs. A bit of property.

And it’s all... just floating.

You know it should be enough.
You hope it will be enough.

But you don’t know how to actually use it.

That’s where the anxiety creeps in.

“How much can I actually spend?”
“What if I take too much too soon?”
“Am I making a mistake I can’t undo?”
“Will I still have enough at 80? 85? 90?”
“What if I live longer than I expect?”
“What happens if my partner outlives me?”

You’re not alone.

This is what I hear every single day.

People with hundreds of thousands - even millions - still come to me unsure.

Not because they’re reckless.

But because the retirement system is designed to confuse you.

And that’s not your fault.

Most of our clients are intelligent, thoughtful, responsible professionals.

But they’ve never been taught how to turn money into income...

In a way that’s sustainable, tax-smart, and built for their life.

They’ve been told what to save.
They’ve been told to “diversify.”

But no one ever showed them how to spend wisely, confidently, and in the right order.

So they freeze.

They put it off.
They underspend.
They live cautiously.

They take just enough to “get by” - because they’re too scared to enjoy what they’ve earned.

And that’s the real tragedy.

You didn’t work your whole life to be anxious about every pound you spend in retirement.

You didn’t do the hard part just to feel unsure now.

That’s why we I do what I do.

Not to sell you financial jargon. Not to push fees.

But to sit down with you, walk through your world, and finally give you a clear, confident answer to this question:

“How does this all work... for me?”

Because your retirement shouldn’t feel like guesswork.

And once you’ve seen it clearly — how much you can spend, when, and how long it lasts...

Everything changes.

You breathe easier.
You spend with confidence.
You stop hoarding and start living.

And that’s what you really want:.

Not just “peace of mind” - an advisors favourite word.

But permission.

Permission to enjoy what you’ve earned.

And live your retirement to it's maximum potential