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Everything below is set up for you by your own senior advisor.
Or Freephone 1800 808 808 and a senior advisor takes it from there.
Your income, spending, pensions, property and savings forecast year by year, stress tested against bad markets and life events, and turned into decisions a senior advisor sets up for you.
Two minutes online. Tell us the basics and your advisor builds your first forecast with you.
Tax relief, contribution limits and the right plan differ between the three.
Stored securely, never sold. Used only to come back to you about your request.
A confirmation email is on its way to you, and a senior financial advisor is reviewing what you sent and will be in touch. Want to get ahead in the diary? Book your discovery call, or Freephone 1800 808 808.
A lifetime cash flow forecast takes everything you have and everything you want, and runs it forward one year at a time. Income comes in, spending goes out, pensions and investments grow, the mortgage falls away, and tax is taken at every step.
The result is one chart. It shows the years your wealth grows, the years you draw on it, and whether it lasts as long as you do. If it runs short, you see the year it happens and the size of the gap.
Your advisor gathers the detail with you through a short online fact find. No figure is too small to include.
| What we put in | Examples |
|---|---|
| Income | Salary, bonus, rental income, pension income, the State Pension from 66 |
| Spending | Day to day costs, holidays, school and college fees, care later in life |
| Assets | Pensions, savings, investments, property, company shares |
| Debts | Mortgage, loans, personal guarantees |
| Goals | Retirement age, income target, gifts to children, a second home |
| Assumptions | Inflation, investment growth, pay growth, tax bands and reliefs |
A forecast built on one set of returns is a guess. We stress test yours. The model runs your plan through up to 10,000 market scenarios and shows you the pessimistic, the average and the optimistic outcome side by side.
Then we test the events that matter to you: retiring three years early, a long illness, the loss of a partner, a large gift to a child, a market fall in the year you retire. You see which ones the plan absorbs and which ones need a fix.
Your forecast is not a report that sits in a drawer. It lives in an app on desktop, iPhone and Android, where you can see your plan, your accounts and your progress towards each goal.
When something changes, a new job, a child, an inheritance, a house move, your advisor updates the forecast with you and the chart moves with it. You always know where you stand.
The short form on this page: who you are, what you want and roughly what you have.
A short online fact find with your pensions, policies and statements.
Your money modelled year by year to age 100, then stress tested.
A short list of actions with figures: pension contributions, investments, cover, gifts.
We set up what you agree and update the forecast as your life changes.
We (Richie and Nickey) received excellent pension advice that was clear, honest, and tailored to my situation. Everything was explained in a way we could easily understand, and we felt confident making decisions about my future. Highly professional service and very reassuring throughout the process.
They made setting up a company pension on a deadline extremely easy and stress free. You can tell they understand the products inside out. Very approachable, great availability for support with instant and clear answers.
True Wealth was super efficient in locating my UK pension. They were very professional and responsive in dealing with the relevant pension organization. I would highly recommend True Wealth.
Thank you for the several calls to advise me. Great client attention! Eimear is fantastic! I had my pension sorted and a few insurances arranged. All the best.
Excellent service. Always there if I had any questions, would recommend without hesitation. A 5 star service. Thank you everyone.
Straight answers with the figures. If yours is not here, a senior advisor answers it in your review.
A forecast of your finances year by year for the rest of your life. It shows whether your money supports the life you want, and what to change if it does not.
Anyone facing a big decision: when to retire, how much to draw from a pension, whether to clear the mortgage, how much to give to children. It matters most within ten years of retirement and after a sale, a bonus or an inheritance.
Yes, from the age you qualify, at the rate your contribution record supports. The maximum personal rate of the State Pension (Contributory) is €299.30 a week in 2026, and Budget 2027 adds €10 a week from January 2027.
No forecast is exact, which is why we stress test it and review it. The value is in the decisions. A plan that works in the pessimistic case gives you room. One that fails shows you the fix while there is time to make it.
Your advisor turns it into decisions with figures beside them and sets up the ones you agree: pension contributions, investments, protection and gifts. The forecast is updated at every review.
Yes. Two incomes, two pensions and one set of goals belong in one forecast, and it shows what happens to each of you if the other dies first.
Your forecast is held in regulated financial planning software with the same security standards as online banking. True Wealth never holds client money.
Checked 7 October 2026.
Two minutes online, then a senior advisor is in touch to build your forecast.