Inflation-sensitive drawdown plans
We help clients model variable income streams so essentials remain covered during price volatility.
Pension clarity for real life decisions
Guidance for confident retirement choices
prism-count supports people across the United Kingdom with pension reviews, income planning, and long-range retirement strategy that stays practical as life changes.
“Retirement should feel earned, not confusing. We translate pension options into clear next steps.”
Lead adviser statement
Independent pension insight, built around your timeline
We partner with individuals, families, and workplace savers who want detail without complexity. Our approach blends regulated pension expertise with coaching on lifestyle goals, so every recommendation aligns with how you want retirement to feel.
Regulation-ready reviews
Every recommendation is mapped to FCA expectations and the latest pension freedoms guidance.
Household-first planning
We model retirement income together with mortgages, care plans, and legacy priorities.
Highlights clients value most
Lifetime income mapping
Scenario-led forecasts align drawdown plans with expected expenses, including healthcare and travel goals.
Pension consolidation checks
We assess legacy schemes, guaranteed benefits, and fees before any transfer recommendation.
Workplace pension optimisation
Contribution strategies are coordinated with employer matching and tax relief thresholds.
Our planning process
Discovery and document review
We gather statements, scheme booklets, and retirement goals to form a complete baseline.
Strategy modelling
Multiple retirement timelines are tested to understand sustainability and flexibility.
Ongoing stewardship
Annual checkpoints keep plans aligned with regulation, markets, and personal changes.
Measured results since 2014
Case focus: late-career consolidation
A pair of NHS professionals wanted to simplify four pensions, align retirement dates, and fund phased travel. We created a transfer comparison, mapped tax-free cash timings, and built a staggered drawdown that protects their defined benefit income.
Outcome summary
- Reduced annual fees by £1,420 through scheme selection.
- Retirement date brought forward by 18 months.
- Created a five-year travel reserve funded through tax-efficient withdrawals.
Our philosophy
Transparency over jargon
We translate provider language into clear decisions and keep all assumptions visible.
Long-term stewardship
We prefer steady course correction rather than one-off reports that quickly become outdated.
Human-led advice
Every recommendation is reviewed by advisers who understand UK pension rules in practice.
Client reflections
“We finally understand how our pensions fit with our housing plans. The report was clear and not overwhelming.”
Louise W., Bristol
“The drawdown model helped me feel confident about stepping back from work without guessing.”
Ian M., Leeds
“I appreciated the ongoing reviews. The updates are short, useful, and keep me on track.”
Harpreet S., Glasgow
Industry insights for 2026
State pension timing
Coordinating state pension start dates with private income can improve long-term flexibility.
Changing care funding rules
We track evolving care cost guidance to protect later-life budgets.
Frequently asked questions
We provide transparent fixed fees before engagement and confirm costs once we see scheme complexity.
Yes. We have specialist advisers who assess transfer value comparisons and long-term sustainability.
Annual reviews are standard, with optional mid-year check-ins for significant life changes.
Ready for a retirement roadmap?
Book a consultation and receive a tailored outline of the next steps for your pension plan.