The work follows a fixed sequence so you always know what is coming and what you get at each stage. You are not locked into a package: each step ends with a written note that is yours to keep.

1. Inquiry and framing

You send the inquiry form or call. We reply by email within two business days, ask two or three framing questions, and confirm the session fee in writing. No session is booked until you agree the fee.

You get: a written confirmation of scope, fee, and the one question to prepare.

2. Budget foundation

We work through your last three to six months of spending together and separate the lines that end from the lines that persist. The output is a one-page pre-retirement budget with the income gap marked for each bridge year.

You get: a one-page budget with fixed, flexible, ending, and gap lines.

3. Lifestyle mapping

We turn the intentions behind “slow down”, “travel”, or “keep one client” into dated, priced line items inside the budget. The first twelve months are itemised; the later years are sketched with the open questions flagged.

You get: a month-by-month spending plan covering the years after work.

4. Drawdown order

For households with more than one bridge-income source, we map the sequence each year should draw from. The order is written down, with a note on which decisions to revisit if your circumstances change.

You get: a written drawdown order and a short review checklist.

How long it takes

Steps 2 to 4 usually run across two to four sessions over a few weeks, but there is no fixed schedule. If your situation changes mid-way, we pause and reframe before continuing.

What this process is not

It is not investment management, tax filing, or legal drafting. Where a step surfaces a decision that belongs to a licensed securities adviser, a registered tax agent, or a lawyer, we stop that part of the work and hand you a written question to take to them.

Start with step one →