Elaine Fairgrove
Principal adviser
Leads Full Retirement Income Reviews and couples workshops. Twenty years’ experience helping households sequence pensions around State Pension age.
About Fairgrove
Retirement conversations held at a human pace
Fairgrove Retirement Advice grew from years of kitchen-table pension talks in Northern Ireland—helping people read statements, time State Pension claims, and decide how to draw pots without rushing.
Why we exist
Leaving work is a financial and household event. Workplace pensions arrive as thick booklets; State Pension rules shift; couples rarely stop on the same day. We built Fairgrove to offer fee-based consultations that produce written maps—not product shelves dressed up as guidance.
How we work
Clients meet us in Old Doylewick or by video across Great Britain. We agree the fee before paid work begins, gather statements with a checklist, and deliver a document you can reread with a partner or accountant. We do not take commission for arranging investments as part of these consultations.
Our grounding in GB practice
Advice is framed around UK pension access ages, tax bands, and State Pension claiming. We stay within retirement income planning and refer mortgage, equity release, or complex defined benefit transfer work to specialists when it sits outside our engagement.
People you may meet
A small advisory team focused on retirement income—not a rotating call centre.
Thomas Reid
Pension consolidation lead
Compares charges, guarantees, and access rules across deferred workplace pots. Prefers a keep decision when protected features outweigh tidy paperwork.
Niamh Cullen
Client preparation
Helps clients assemble statement packs and State Pension forecasts before working sessions, so meeting time is spent on decisions rather than hunting envelopes.