Money that is actually working for you.
Contributing to something is not the same as being on track. We model what you'll need, what you're likely to have, and what has to change — then structure the portfolio to close the gap.
Start with the number
We calculate what your retirement income actually requires in today's terms, then test your current savings, contributions and growth assumptions against it. The gap becomes the plan.
Structure before product
Retirement annuities, pension and provident funds, tax-free savings, discretionary portfolios and endowments each behave differently for tax, access and estate purposes. We use them in the right combination for your circumstances.
Discipline through market cycles
The biggest risk to a long-term portfolio is a short-term decision. We set a mandate, review it on schedule, and rebalance rather than react.
What this includes
- Retirement gap calculation
- Portfolio construction and fund selection
- Retirement annuity and pension review
- Tax-free savings optimisation
- Section 37C / beneficiary structuring
- Pre- and post-retirement drawdown planning
- Fee and cost transparency review
- Annual portfolio reviews
Frequently asked
Can you review investments I already hold elsewhere?
Yes. We assess existing portfolios for cost, performance, tax efficiency and suitability before recommending any change.
How much do I need to start investing?
Many structured plans start with modest monthly contributions. Consistency and structure matter more than a large opening amount.
Am I too late to plan for retirement?
Later planning changes the strategy, not the value of having one. We'll show you honestly what's achievable and the options available.