Consultation

Pre-Retirement Cashflow Workshop

A workshop-style session for those within five to ten years of leaving work, stress-testing spending plans against pension drawdown, state pension timing, and part-time income.

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Notebook with retirement planning notes and charts on a wooden table

Who this is for

Couples or individuals aged roughly 55–65 who want to know whether a planned leaving date is realistic given current pots and lifestyle spending.

What you walk away with

A year-by-year cashflow sketch for the first decade of retirement, including which pots to tap first and where spending looks tight.

Included

  • Spending diary review and essential-versus-discretionary split
  • Sequencing discussion across workplace pensions, SIPPs, and ISAs
  • Sensitivity check for later retirement or lower part-time earnings

Not included

  • Guaranteed income product purchase on the day
  • Equity release advice (referred if relevant)

Practical details

Provider
Eleanor Pennycroft
Duration
One half-day workshop plus a written cashflow summary within ten working days
Location
In-person at Dicki-le-Maggio or extended video session
Preparation
Bank statements for three months, pension valuations, and a draft “first year of retirement” budget
Fees
£980 for an individual; £1,250 for a couple sharing one workshop

How the engagement unfolds

  1. 1

    Budget reality check

    We separate fixed costs from flexible spending using your own figures.

  2. 2

    Income sequencing

    We map which sources fund each phase before and after state pension age.

  3. 3

    Stress points

    We flag years where cash looks thin and discuss levers you control.

Please note: Illustrations are planning tools, not forecasts of investment markets or longevity.

Ready to discuss your circumstances?

Arrange an introductory call