Retirement Income
Map state pension, defined benefit, and defined contribution income so you know what you can draw sustainably before and after State Pension age.
View detailsNorthern Ireland · Clients across the UK
Advice that keeps pensions, cashflow, and tax wrappers in one conversation.
Shoreline Wealth Advisory helps households and owner-managed firms weigh concrete money decisions — without selling you a product shelf.
A wealth planning consultation built for real paperwork
Bring pension statements, ISA valuations, and the questions you keep postponing. We return a written plan with a sequenced list of calls to make — with your existing providers, not a forced transfer.
Typical household engagements run three to five weeks from first meeting to follow-up. Fees start from £1,450; multi-pension or director cases are scoped first.
How the consultation works
Related consultations
Each engagement stays within UK financial advice and consulting — retirement income mapping, pension second opinions, and owner-manager cashflow.
Pension Second Opinion
An independent reading of a proposed defined benefit transfer or consolidation, focused on what you keep, what you lose, and the charges that follow.
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Owner-Manager Advice
Align salary, dividends, company pension contributions, and personal drawings so household and company cashflow stay in step.
View detailsWhat clients say after the paperwork settles
The wealth planning consultation laid out our two workplace pensions and a forgotten SIPP in one timeline. We still waited three weeks for one provider’s valuation, so the written plan arrived later than we’d hoped — but the sequencing advice stopped us from emptying a high-earner ISA too early.
Our accountant flagged the dividend jump; Shoreline walked us through how company pension contributions and personal drawings could sit together without starving the cash buffer. The owner-manager session felt like a proper board conversation, not a product pitch.
How an engagement unfolds
We do not open with a product recommendation. First we clarify aims and constraints, then we read the documents you already hold, then we write what should happen next — and what can wait.
See the engagement path