Retirement Planning
In brief
For people entering or already in the next chapter. We build retirement income architecture and sustainable drawdown, integrating pensions, investments and lifestyle spending. Planning begins with your financial structure, before implementing assets. The outcome is clarity on what enough looks like, so time and purpose aren't deferred forever.
For people entering or already in the next chapter. We build retirement income architecture and sustainable drawdown, integrate pensions, investments and lifestyle spending, and give you clarity on what enough looks like — so time and purpose aren't deferred forever. Independent and bespoke: not a template, not somebody else's version of success. Yours.
Who it's for
- Business owners
- Entrepreneurs
- Senior executives
- Professionals building long term wealth
- Individuals approaching financial independence
Who we serve
- £500k–£25m+ investable assets
- Want to reduce tax and keep more of what they've built
- Want to know exactly what they can spend in retirement
- Want to live life on their terms — with dignity and independence into old age
- Multi-generational planning needs
- Desire to reduce UK Capital Gains, Income, and Inheritance Taxes
We work with families whose wealth has reached a level of complexity where ordinary financial advice is no longer sufficient. This includes UK entrepreneurs, senior professionals, property owners, families with multiple pensions, business interests, trusts, or cross-border considerations.
Families with £10m+ in investable assets requiring multi-jurisdictional coordination may be better served by our Family Office service.
Our Approach
Architecture before assets.
We begin by designing the full architecture of your financial world. Only when the structure is clear and robust do we implement the assets within it. Because we are wholly independent, every element is chosen for its fit to your life — not for any product provider relationship or commission.
WHAT YOU PAY
Complete retirement planning. Around half the cost.
Independent advice, retirement planning, investment management and ongoing review, for about 0.95% a year all-in on a £3m portfolio, after a one-off planning phase. Most UK wealth managers charge 1.8–2.4% a year once advice, platform and fund costs are added together.
RETIREMENT PLANNING · ALL-IN ANNUAL COST ON £3M
0.95
Advice, platform and funds combined, after a one-off planning phase.
- Typical UK wealth manager
- 1.8–2.4%
- 1.39% at £1m · 0.84% at £5m · 0.78% at £10m
- Falls as you grow
WORKED EXAMPLE
Imagine you have £3 million invested for your retirement. This is what each type of firm would typically charge you in one year, with advice, platform and fund costs added together. Our adviser fee is 1% on the first £1m and 0.45% above that, so the all-in percentage falls as your portfolio grows.
| Provider | Relative annual fee | All-in fee · cost per year |
|---|---|---|
| Quantum Retirement Planning | 0.95%£28,500 | |
| Online advised platform | 1.80%£54,000 | |
| Restricted wealth manager | 2.20%£66,000 | |
| Private bank (sub £5m) | 2.30%£69,000 | |
| Traditional IFA | 2.40%£72,000 |
Up to £43,500
a year stays invested in your portfolio instead of going on fees, compared with a traditional IFA, compounding towards your retirement.
Illustrative example only. Typical all-in ongoing annual costs (adviser, platform and fund charges) by provider type, on a £3m portfolio. Quantum Life all-in cost of 0.95% shown for a £3m portfolio (adviser fee 1% on the first £1m and 0.45% thereafter, plus platform, DFM and fund costs). Retirement Planning only; fees for other services differ. Your costs depend on your circumstances and investments. The value of investments can go down as well as up.
How It Works
What to expect.
From first conversation to comprehensive wealth architecture in 90 days.
01
Initial Call
Free, no obligation
Explore whether we're a potential fit for your situation
02
Discovery Meeting
£500, up to 90 minutes, on Zoom
A deep dive into your financial world: values, goals, and obstacles
03
Architecture Phase
From £5,918
Charged on time at a blended rate of £394.50/hr: straightforward cases from £5,918, moderate complexity £11,835–£19,725, high complexity from £19,725. A comprehensive Financial Life Plan — strategy across tax, investments, risk, estate, and asset structure, with a written recommendations report
04
Ongoing Management
1% / 0.45% adviser fee · about 0.95% all-in on £3m
Portfolio management, proactive planning, unlimited Partner access
You can engage Stage One without committing to Stage Two — your choice. We receive no commissions on investment or pension business. Where we arrange protection cover (life, health, serious illness or income protection), we are paid by provider commission, disclosed to you in advance.
The Research
The measurable value of advice.
- Added portfolio value a year
- 4.83%
- More retirement income
- 29%
- Extra wealth from advice
- £47,706
Sources: Russell Investments, 2021 Value of Advisor Study (up to 4.83% a year through behavioural coaching, tax efficiency, rebalancing, allocation and cost management); Morningstar, Alpha, Beta, and Now... Gamma (29% more retiree income from sound planning decisions); ILC UK, What it's worth (advice in 2001–2006 boosted pension and financial wealth by £47,706 by 2014/16).
Questions & answers
Frequently asked questions.
Business owners, entrepreneurs, senior executives, professionals building long term wealth and individuals approaching financial independence.
After a £500 discovery meeting and a one-off planning phase (from £5,918), our ongoing adviser fee is 1% on the first £1m and 0.45% thereafter. Including platform and fund costs, that's about 0.95% a year all-in on a £3m portfolio, and lower on larger portfolios. Most UK wealth managers charge 1.8–2.4% a year on the same all-in basis.
Investments, tax, risk and protection, estate and succession, and life planning and values. We integrate pensions, investments and lifestyle spending into retirement income architecture and sustainable drawdown.
The initial call is free and without obligation. It explores whether we are a potential fit for your situation.
You can engage Stage One without committing to Stage Two — your choice.
We are wholly independent. Every element is chosen for its fit to your life, not for a product provider relationship or commission. We receive no commissions on investment or pension business. Protection provider commission is disclosed in advance.
Next step
Let's start with a conversation.
A free, no-obligation call to understand where you are, what you want next, and whether we're the right people to help.
No products. No pressure. Around 30 minutes.