Retirement Income Review
A focused review of how your pensions and savings can support the income you need once work slows or stops.
Consultation detailsIndependent advice · Lower Smithaming
Plans written around pensions, property, and the life you already lead
Crown Hill Advisory helps individuals, couples, and business owners across England turn scattered pensions, savings, and cover into a clear financial plan — without sales theatre.
Flagship consultation
Whole-of-life financial planning for households who want one joined-up view
We map income, workplace and personal pensions, ISAs, protection, and near-term goals into a written plan you can act on over weeks — not a product brochure dressed as advice.
Most clients come to us holding three or more pension pots, a mortgage that has been remortgaged more than once, and a vague sense that retirement is closer than it feels. Our planning engagement starts with a discovery meeting, builds a cash-flow picture, and ends with recommendations you understand well enough to accept, decline, or take elsewhere.
- Cash-flow modelling across working life and retirement
- Plain-English trade-offs on tax wrappers and risk
- Fees agreed before any product is arranged
Related consultations
Focused advice when a full household plan is more than you need
Retirement income, portfolio reviews, protection, and director planning sit alongside our flagship engagement.
Investment Portfolio Consultation
An independent look at how your investments are allocated, charged, and aligned with the timescale of your goals.
Consultation details
Protection & Family Cover Advice
Advice on life cover, income protection, and critical illness arranged around mortgage commitments and dependants.
Consultation details
Business Owner Wealth Planning
Planning for directors and partners who need to balance company cash extraction, pension contributions, and personal goals.
Consultation detailsHow we work
Advice that respects UK rules and your actual calendar
Meetings happen in Lower Smithaming or by video. We ask for pension statements and a rough budget before modelling begins, then take time to explain why a recommendation fits — or why waiting is wiser.
Walk through our approach
From clients
What people notice after the recommendation meeting
Specific conversations, not vague praise.
We finally understood which of our four pensions still carried a valuable guarantee — and which ones we could consolidate without losing sleep.
The fee felt high until I saw the written cash-flow. I still wish the discovery forms had been shorter, but the plan itself answered questions our bank adviser never raised.
Ready to talk through your pensions and goals?
Tell us what prompted the enquiry. We reply within one working day and will say plainly if we are not the right firm.