Retirement Income Mapping
Model how State Pension, workplace pots, and private savings could fund the years ahead—before you stop working.
View this adviceNew Stanton · Wales
Elm & Reed
UK financial advice and consulting for people who want a written plan—not a product pitch. We help households and business owners sort pensions, cash flow, and protection before the next large decision.
Flagship advice
Personal Financial Planning Review
A structured look at income, spending, pensions, and protection. You leave with a prioritised 12-month action list written for your household—not a generic checklist.
From £450 · two meetings over 3–4 weeks · New Stanton office or video across the UK.
Related advice
Other ways we can help
Each engagement stands alone. Choose the conversation that matches your next decision.
Business Owner Cash Flow Advice
Separate personal wealth from company money with practical guidance on drawings, reserves, and pension contributions.
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Protection Needs Assessment
Check whether life cover, critical illness, and income protection match your dependents and mortgage commitments.
View this adviceFrom clients
Evidence from recent work
“We brought pension statements that had sat in a drawer for years. The written plan put our emergency fund first and delayed the investment conversation until that was sorted—which felt slower than I expected, but it stopped us making a rushed move.”
Helen M. · Personal Financial Planning Review · Cardiff“I wanted a big round life-cover figure. The assessment cut it back to the mortgage plus two years of household costs. The mild reservation is that I still need to choose a broker; Elm & Reed stopped at the written findings.”
Daniel K. · Protection Needs Assessment · New StantonPrefer to understand the meeting rhythm first?
Our consultation guide explains what to bring, how long sessions run, and when written advice arrives—before you commit to a fee.