Consultation
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.
£380 for a single session · £520 with a written year-one calendar
Purpose of the session
Once you can access pensions, the first question is rarely “which fund?”—it is “how much this year, and from which pot?” This session builds a practical sequencing plan so withdrawals do not push you into a higher tax band by accident or leave the household short of cash mid-year.
What we cover
- Which pot to draw first when charges and tax treatment differ
- Whether taking tax-free cash in one lump or in stages suits your spending
- How State Pension start dates interact with private pension withdrawals
- A cash buffer sized to your household’s known bills and seasonal costs
Written calendar option
For an additional fee we prepare a one-page year-one withdrawal calendar you can share with your accountant or partner. The session alone includes spoken recommendations and a summary email.
Book a session
Request drawdown sequencing and include the month you first became eligible to access your pots.