Retirement Income Review
Map State Pension timing, workplace pots and drawdown choices into a sustainable income picture.
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South Quay Financial Advice
UK financial advice & consulting
Plans you can follow when paycheques, pensions and family gifts collide
From our office on Park Road in West Hahningham, we help households and directors turn scattered statements into a written plan — fees agreed before work begins.
Flagship consultation
Personal Financial Planning
A structured review of income, pensions, ISAs and protection. You receive a written plan with ranked actions, contribution ideas and a follow-up call within thirty days.
From £450 · typically two to three weeks from first contact
Also available
Related consultations
Retirement income sequencing, family gift conversations and director reviews sit alongside personal planning when your situation needs a narrower focus.
Inheritance & Family Wealth Conversations
Practical conversations on gifts, wills readiness and how family wealth moves between generations.
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Business Owner Financial Review
Separate personal wealth from company cash so directors can plan drawings, pensions and protection with confidence.
View detailsFrom the coast to Cardiff
Advice shaped by Welsh households, not product targets
South Quay grew from years of sitting with teachers, shop owners and limited company directors who wanted someone to translate pension jargon into household numbers. Meetings happen in West Hahningham or by video — the written plan is the same either way.
Meet the practice
Client voices
What people say after the paperwork settles
“We arrived with three different pension statements and no idea which contribution rate made sense after our second child. The written plan gave us a monthly figure we could actually put in the household budget. The only hitch was waiting two weeks for one old provider to send a transfer pack — not South Quay's fault, but it delayed the follow-up call.”Helen M. · Swansea · Personal Financial Planning
“I was six years from leaving teaching and quietly panicked about drawdown jargon. The review walked through State Pension timing and which pot to leave alone until later. Mild reservation: I wanted a single recommended product; instead I got options with trade-offs, which I now realise was the honest approach.”Owen R. · Cardiff · Retirement Income Review
Ready to open the statements?
Tell us whether you need a full personal plan, a retirement review or a shorter family wealth session. We aim to reply within one working day.
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