A retirement income you can rely on
Approaching retirement? We'll show you how much income your pensions can safely provide, and the best way to take it, so you can stop guessing and start enjoying it.
- Annuity, drawdown or a blend
- Independent, whole-of-market
- Cashflow planning so you can see the future
Turning pension savings into retirement income
The hardest question in retirement isn't how much you've saved, it's how to turn it into a reliable income that lasts. We model your options (annuity, flexible drawdown, or a combination), factor in tax, the State Pension and your other assets, and give you a clear plan for the income you want without the fear of running out.
How retirement planning works with us
Why Positive Advisers for at-retirement advice
What clients say
“Buying an annuity became a drawn-out process, but with Mark's able advice and good communication it reached a great result, ten out of ten.”
“Facing the big decision of what to do with our pension, Mark gave us understanding, guidance and the confidence to choose. Top guy.”
“A long-dormant pension is now heading in the right direction and gaining value.”
Meet your retirement adviser
Terry Roberts specialises in guiding people through the run-up to and start of retirement, with a knack for making the numbers feel manageable.
Retirement planning FAQs
Annuity or drawdown, which is better?
It depends on your goals, other income and attitude to risk. Often a blend works best; we'll model both for you.
When should I start planning?
Ideally 5–10 years out, but it's never too late, even close to retirement there's plenty we can improve.
What does it cost?
Free first consultation; fees agreed in writing before any work begins.