Our Services
Comprehensive retirement planning solutions tailored to your individual needs and circumstances.
Every client's situation is unique, which is why we offer a range of services that can be combined to address your specific needs. Whether you're looking for a comprehensive retirement strategy or guidance on a particular aspect of your planning, we have options to suit.
All our services are provided on a fee-for-advice basis. We don't earn commissions from financial products, so our recommendations are based solely on what's right for you.
Core Services
Comprehensive Pension Review
£450A thorough analysis of all your existing pension arrangements. We gather information from your providers, review the terms and charges, and identify opportunities for improvement.
- Analysis of up to 5 pension schemes
- Comparison of charges and features
- Consolidation recommendations
- Projected retirement income modelling
- Written report with clear action points
State Benefits Assessment
£275A detailed review of your entitlements to state benefits, including State Pension, Pension Credit, and other relevant support. Many people miss out on benefits they're entitled to.
- State Pension forecast analysis
- National Insurance record review
- Pension Credit eligibility check
- Attendance Allowance assessment
- Guidance on voluntary NI contributions
Retirement Timing Analysis
£395Determining the optimal time to retire involves balancing financial readiness with personal factors. We model different scenarios to help you make an informed decision.
- Multiple retirement age scenarios
- Income sustainability projections
- Part-time work transition options
- Early retirement feasibility analysis
- Spouse coordination strategies
Tax-Efficient Withdrawal Planning
£375How you access your pension can significantly affect your tax bill. We develop strategies to maximise your income while minimising tax liability over time.
- 25% tax-free lump sum optimisation
- Drawdown vs annuity comparison
- Tax band management strategies
- Personal allowance preservation
- Multi-year withdrawal planning
Couples Retirement Planning
£595Retirement planning for couples involves coordinating two sets of pensions, benefits, and expectations. We help you develop a joint strategy that works for both partners.
- Joint income needs analysis
- Staggered retirement planning
- Survivor benefit optimisation
- Combined tax efficiency strategies
- Spousal State Pension considerations
NHS Pension Specialist Review
£525The NHS Pension Scheme is one of the most complex in the UK. We have specialist knowledge to help NHS staff understand and maximise their pension benefits.
- 1995/2008/2015 scheme comparison
- McCloud remedy implications
- Annual Allowance tax charge review
- Early retirement reduction analysis
- Death benefits and nominations
Defined Benefit Transfer Analysis
£750Transferring a defined benefit pension is a major decision that requires careful consideration. We provide the regulated advice needed to assess whether a transfer might be appropriate.
- Transfer value analysis
- Critical yield calculation
- Guaranteed benefits comparison
- Flexibility vs security assessment
- FCA-compliant transfer advice
Pension Scam Recovery Support
£350If you believe you've been the victim of pension fraud or mis-selling, we can help assess your situation and guide you through the complaints and compensation process.
- Situation assessment and documentation
- Regulatory complaint guidance
- Financial Ombudsman referral support
- FSCS claim assistance
- Future protection strategies
The Crystal Fury Difference
Fee-Only Advice
We charge for our expertise, not for selling products. This means our recommendations are genuinely independent and aligned with your interests.
Plain English Reports
Our written reports avoid jargon and clearly explain our findings and recommendations. You'll understand exactly what we're suggesting and why.
Experienced Advisors
Our team holds relevant professional qualifications and has years of practical experience helping clients navigate retirement planning.
Timely Delivery
We complete most reviews within 3-4 weeks of receiving all necessary information. Urgent situations can often be accommodated faster.
Ongoing Support
Questions don't end when the report is delivered. We include follow-up support to help you understand and implement our recommendations.
Regulatory Compliance
We're authorised and regulated by the Financial Conduct Authority. Your interests are protected by established regulatory standards.
Compare Our Options
Essential
From £275Comprehensive
From £595Premium
From £950Our Process
Book a Consultation
Get in touch to arrange an initial conversation. This is free and without obligation.
Share Information
We'll explain what documents and details we need to conduct your review.
Receive Your Report
We deliver a clear written report with findings and recommendations.
Take Action
We help you understand the next steps and support implementation as needed.
Frequently Asked Questions
The initial consultation is exploratory—we're getting to know each other and understanding your general situation. You don't need to prepare anything specific, though if you have pension statements to hand, they can be helpful. We'll tell you exactly what documents we need if you decide to proceed with a service.
From receiving all necessary documentation, we typically deliver a comprehensive pension review within 3-4 weeks. The timeline can vary depending on complexity and how quickly pension providers respond to our information requests. We'll keep you informed throughout the process.
We provide guidance on implementation as part of our services. For straightforward actions, this might be detailed instructions you can follow yourself. For more complex implementations, we can assist with liaison with pension providers or refer you to appropriate specialists. Implementation support beyond the included follow-up is available at our hourly rate of £150.
Our services are starting points, not rigid packages. If your situation requires additional analysis—perhaps you have more than five pensions, or there are unusual circumstances to consider—we'll provide a custom quote. We'll always discuss scope and fees before starting work.
Yes, we offer annual review services for clients who want ongoing support. This includes a yearly check-in to review your situation, assess any changes in legislation or personal circumstances, and update your strategy as needed. Annual reviews are priced at £295 for existing clients.
Ready to Get Started?
Book a free initial consultation to discuss your retirement planning needs and learn how we can help.
Contact Us