2025-11-12
How to read a UK pension statement without the jargon
A practical walkthrough of the figures that matter on a defined contribution statement — and the ones that often distract.
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Notes from the planning desk
Short articles on reading pension statements, sequencing retirement income, understanding advice fees, and related UK financial decisions.
2025-09-28
Sequencing retirement income in the first five years
When State Pension, defined benefit income, and drawdown all arrive at different times, order of withdrawal can shape tax and longevity risk.
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2025-07-15
What an independent advice fee usually covers
Transparency about fees builds trust. Here is how Crown Hill structures charges for planning work versus product arrangement.
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2025-05-03
Protection gaps that appear after a mortgage remortgage
Changing lenders often changes the life cover conversation — yet many households leave old policies untouched.
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2025-02-18
Cash-flow modelling for couples with uneven incomes
When one partner earns far more than the other, joint goals need careful treatment of tax, pensions, and household spending.
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