Case Study
I was a Doctor with
five pensions and no plan
Introduction
Dr. Amina Hussain, 64, was an NHS consultant approaching retirement. She had multiple defined benefit and defined contribution pensions, alongside private investments, but no idea how they all fitted together.
Before
- Had five pension pots across NHS and private schemes
- Didn’t know if she could retire at 65 without compromising her lifestyle
- Overwhelmed by annual statements and the complexity of drawdown rules
- Worried about the impact of inflation and market volatility on her plans
After
- Understood how and when each pension could be accessed tax-efficiently
- Realised she could retire at 65 with zero reduction in lifestyle quality
- Structured a phased retirement plan with part-time work over 18 months
- Established a long-term investment strategy that reduced risk and admin
Process
- Gathered and analysed all pension scheme rules and projections
- Used cash flow modelling to demonstrate the impact of different retirement ages
- Designed a phased drawdown plan optimised for tax and flexibility
- Applied volatility-reducing strategies to protect against sequence risk
Conclusion
Amina gained clarity and confidence around her retirement income. Our modelling helped her simplify five pensions into one cohesive strategy — giving her control over both her time and her money.