Retirement Income Structuring.

Five tools to help you build a tax-efficient retirement income. Compare pensions and offshore bonds, project your drawdown year by year, and understand the April 2027 pension IHT changes.

How you draw your retirement income matters as much as how much you have saved. The interaction between pension drawdown, offshore bond withdrawals, top-slicing relief, and the new 2027 pension IHT rules creates planning opportunities that are easy to miss.

These tools let you model different approaches and see the tax impact of each.

Pensions in IHT Decision Guide

Decision guide

Understand how pensions interact with inheritance tax under current and proposed rules.

Pension vs Offshore Bond Comparison

Calculator

Compare net outcomes from pension and offshore bond wrappers over your investment horizon.

Retirement Income Modelling Tool

Calculator

Model how long your portfolio will last under different growth and drawdown scenarios.

Offshore Bond Withdrawal Tax Estimator

Calculator

Estimate the tax cost of withdrawing from an offshore investment bond.

Top-Slicing Relief Calculator

Calculator

Calculate potential top-slicing relief on chargeable event gains from investment bonds.

Drawing retirement income without a coordinated plan can cost more than it should.

These tools model individual components, but a proper retirement income strategy looks at all of them together. I build coordinated drawdown plans that minimise lifetime tax across all your income sources.

No obligation. Initial conversation is free. FCA regulated.