Pension Pot Consolidation Advice
Guidance on whether to bring scattered workplace pensions together—or leave them where they are—based on charges, guarantees, and access rules.
Fairgrove Retirement Advice
Steady later-life income, mapped before you stop work
We help people across Great Britain untangle workplace pensions, State Pension timing, and drawdown choices—so the first years of retirement feel planned, not improvised.
Consultations from Old Doylewick, Northern Ireland — video appointments available UK-wide.
Flagship consultation
The Full Retirement Income Review
A structured engagement for households within five years of leaving work—or already drawing pots—who want a written map of pensions, State Pension, tax bands, and a first-year cash buffer.
- Statement gathering support and a plain-English income map
- Two meetings over three to four weeks
- Fee agreed before any paid work begins — from £650 for couples
Consultations
Other ways we work with you
Each engagement answers a specific retirement question. We do not sell investment products as a side door into advice.
Drawdown Sequencing Session
A focused session for people already eligible to access pensions who need a year-by-year plan for withdrawals, tax bands, and cash reserves.
Pre-Retirement Couples Workshop
A half-day workshop for couples aligning retirement dates, shared spending, and who will handle which financial tasks after work ends.
Client evidence
What people notice after a review
“We arrived with four pension envelopes and a vague plan to ‘sort it at sixty.’ The income map showed our State Pension would overlap with a large tax-free cash grab—something we would have walked into. The fee stung a little for a two-meeting process, yet the sequencing notes still sit on our fridge.”
Guides
Recent notes from the journal
Practical reading on pensions, buffers, and household conversations—written for people preparing to leave work.
When to claim your State Pension if you still have private pots
Claiming at State Pension age is not automatic wisdom when workplace pensions and savings can bridge a gap—or create tax overlap.
Reading a workplace pension statement without the jargon fog
Annual statements bury useful facts under product language. Here is what to circle before you book any advice.
Building a first-year cash buffer before you stop work
A cash reserve for the first twelve to eighteen months of retirement reduces the urge to make hurried pension withdrawals when a boiler fails or a roof needs attention.
Next step
Tell us when you hope to stop work
Share a short note about your pensions and timing. We reply within two working days with whether a discovery call makes sense—and a fee outline if it does.