Two hours. No pitch at the end.
A plain walk through the decisions that arrive with retirement — the order to take money in, what the tax rules do to it, and the questions worth putting to whoever holds your pension. Nothing is sold in the room.
Coming up
- Wed, Aug 26 · 5:28 AMEvening seminar: the retirement decisions📍 The assembly rooms
Two hours with a break. Partners welcome and free. Parking is behind the building.
- Wed, Sep 9 · 5:28 AMAfternoon seminar: the same talk, daytime📍 The assembly rooms
For anyone who would rather not come out in the evening. Tea at the halfway point.
- Wed, Sep 23 · 5:28 AMOnline session📍 Online
The same two hours on video, with questions typed rather than asked out loud.
- Wed, Oct 21 · 5:28 AMEvening seminar: the retirement decisions📍 The assembly rooms
The next in-person evening, if the earlier ones have filled.
Nobody rings you afterwards — Not unless you ask us to, in writing, on the day
There is nothing on sale — No product, no fund, no scheme. None could honestly be sold to forty people at once
Nobody stays behind for a quiet word — The chat by the door is where the pressure lives, so we don't have one
You leave with the handout — The same one everybody gets, and it carries the questions rather than our number
If you do want a conversation — You book it yourself, later, with nobody standing over you
What the two hours cover
The order you take money in
Which pot first, and how that order changes what is left for everything after it. This part is arithmetic rather than opinion.
What the tax rules do
Why taking a large amount in one go often costs more than taking the same amount across two years. The rules decide that, not your adviser.
The state's part of it
What you are likely entitled to, when it starts, and how to check your own record instead of guessing at it from the kitchen table.
Guarantees, and their price
Every guaranteed income has a cost attached somewhere. We show you where the cost sits — not whether you personally should pay it.
What happens when you die
Who inherits what, and why the form your provider holds matters more for this than your will does. Most people in the room have not filled one in.
The scams aimed at you
Nobody legitimate cold-calls you about your pension. Not the government, not your provider, not us. That one sentence has saved people in this room a great deal of money.
What cannot be said in a room — What you personally ought to do with your own money
Who decides what you're allowed to do — Your scheme's rules and the tax rules — not any adviser
Who decides whether to do it — You, after advice that actually looked at your situation
You'll get more out of it if you bring…
Your latest statements
Not to show anybody. For you to follow along against your own numbers instead of the example ones on the screen.
Whoever else it lands on
Partners, and grown-up children if that is the shape of your family. Most of the awkward questions come from the second person in the row.
The thing you're actually worried about
Write it on the handout when you arrive. We answer every one before the end, out loud, and nobody has to put a hand up to ask it.
“I went to one of these years ago and left with a follow-up call I had never asked for. This one I left with a list of questions and nothing else at all.”
Geoff and Anne P.
Attended twice
“The part about the order you take money in was worth the whole evening. I would have got it the wrong way round, and nobody had ever mentioned it to me.”
Yvonne S.
Attended with her sister
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