Consultation
Retirement income review
Stress-test drawdown, annuity choices, and state pension timing against the lifestyle income you actually need.
UK financial advice & consulting
Ledger-clear counsel beside the Thames tide of your finances
North Quay helps English households and closely held companies sort pensions, portfolios, and protection decisions with patient, regulated advice — not product push.
Flagship engagement
Comprehensive financial planning review
Our primary consultation maps income, outgoings, pensions, ISAs, and protection cover against the goals you name — school fees, retirement income, or a company exit — then sets a written action order you can take to your accountant or solicitor.
Who we sit with
Directors, trustees, and families who want plain English
Clients typically arrive with a pension statement they cannot decode, a bonus they need to shelter carefully, or a trust distribution that must stay within HMRC rules. We prepare before the meeting so the hour is spent on decisions, not paperwork hunting.
Related consultations
Advice that fits the question you actually have
Consultation
Investment second opinion
An independent reading of a portfolio, adviser recommendation, or wealth-manager proposal before you sign.
Consultation
Protection & estate cover audit
Check life cover, income protection, and critical illness against mortgages, dependents, and business share agreements.
From the ledger
“They refused to recommend a high-fee fund simply because it paid trail commission elsewhere — we stayed in low-cost trackers and still met the income target.”
— Helen M., after a retirement income reviewFees, stated plainly
Hourly and fixed-scope options
Introductory calls are complimentary. Ongoing advice is charged by fixed engagement letter or hourly rate, disclosed before work begins. No trail commission is taken from products we recommend.
Next step
Bring your statements. We will bring the structure.
Email a short note about your situation, or book a discovery call. We reply within two working days and confirm whether a full planning engagement is the right fit.