UK financial advice & consulting

Retirement income, explained without the fog

Holloway Pension Partners helps people in Great Britain map workplace pots, State Pension forecasts, and drawdown choices into a plan they can act on.

Request a Retirement Income Review How an engagement works

Advisor reviewing pension paperwork beside a laptop and coffee cup

Face-to-face at our Upton King office or by video call across GB.

Flagship consultation

The Retirement Income Review

For individuals and couples approaching leave from full-time work — or already drawing pension income and unsure whether the order of withdrawals still makes sense. We gather your scheme statements, model income under a few realistic ages, and deliver a written plan with tax-timing notes suited to UK residents.

Investment product sales sit outside this engagement. You leave with clarity on sequencing, not a fund brochure.

See what the review covers

Close-up of hands annotating financial documents

Related consultations

Other ways we advise

Each engagement stands on its own. We do not package the same meeting under three marketing names.

Colleagues discussing paperwork in a bright office meeting

Workplace Pension Health Check

For employees and small employers who want a clear read on contribution levels, charges, and whether the current scheme still fits the workforce.

Consultation details

Calculator and financial statements on a wooden desk

Pension Consolidation Advice

Guidance on whether to combine older pots, when to leave a scheme intact, and how to avoid losing valuable guarantees.

Consultation details

Open notebook with handwritten financial notes and charts

Later-Life Cashflow Planning

Longer-horizon cashflow modelling for clients balancing pension income, care costs, and gifts to family.

Consultation details

Coastal light over modern buildings suggesting long-term planning

Advice grounded in UK pension rules

From Northern Ireland we work with clients across Great Britain on consolidation questions, workplace scheme health checks, and cashflow plans that include care costs and family gifts.

Meet the practice

From recent clients

Evidence from real engagements

“I came in with four old workplace pots and a State Pension forecast I barely understood. The consolidation advice flagged a guaranteed annuity rate I would have lost if I had moved everything — that single finding paid for the fee twice over.”
Margaret K. — Pension Consolidation Advice, Belfast area

“The retirement income review took a little longer than I hoped because one of my schemes was slow with paperwork. Once the figures arrived, the written plan showed exactly how to sequence my defined contribution pot against my wife’s DB income.”
David R. — Retirement Income Review, couple engagement

Practical reading before you book

Short articles on reading workplace statements, spotting State Pension gaps, and approaching final salary transfer decisions with care.

Browse the guides

How to Read a Workplace Pension Statement Without Guesswork
A practical walkthrough of contribution lines, charges, and projected income figures that often confuse UK scheme members.
State Pension Gaps: What a NI Record Review Can Reveal
Missing National Insurance years can quietly reduce your State Pension. Here is how a record check fits into retirement planning.
When Leaving a Final Salary Scheme Needs Extra Care
Defined benefit transfers remain heavily regulated for good reason. A short checklist before you request a cash equivalent transfer value.