Comprehensive Wealth Review
A full review of pensions, investments, protection, and tax wrappers, followed by a written recommendation tailored to your household or business.
Northern Ireland · United Kingdom
Kingsmere Wealth Consulting
Clear financial advice for families and directors who want decisions rooted in pensions, protection, and real cash-flow — not slogans.
Who we advise
Households and business owners who need a second pair of eyes before large money decisions
Kingsmere works with teachers consolidating workplace pensions, directors preparing an exit year, and couples within five years of leaving full-time work. We sit in Castle Murphy and advise across Northern Ireland under UK regulation.
You leave with a written pack: what to keep, what to change, and what can wait — ordered by your dates, not ours.
Consultations
Advice you can book
Each consultation is delivered by a financial planner, scoped in writing, and priced before work begins. Browse the full list or begin with the flagship review.
Pension Consolidation Guidance
Map scattered workplace and personal pensions, compare charges and investment choices, and decide whether consolidation genuinely helps.
Retirement Income Planning
Model drawdown, annuity, and hybrid approaches so you can retire with a sustainable income sequence rather than a guess.
Business Owner Financial Planning
Coordinate personal wealth with company pensions, shareholder protection, and exit timing for directors and partners.
Protection & Family Cover Review
Check life, critical illness, and income protection against actual household commitments and existing workplace benefits.
From the journal
Notes on pensions, exits, and retirement income
13 May 2026
Inheritance conversations before the solicitor draft
Wills and trusts work better when the family has already named guardians, discussed the family home, and clarified who knows where documents live.
Read the article21 March 2026
How we stress-test a retirement income sequence
A sustainable retirement income is less about a single withdrawal percentage and more about sequencing State Pension, defined benefit income, and drawdown across market cycles.
Read the article18 February 2026
ISA allowances and the habit of leaving cash idle
Unused ISA capacity is common among households who keep large current-account balances for comfort. Comfort has a cost when inflation outruns deposit rates.
Read the articleClient voices
Specific meetings, specific outcomes
“We arrived with four pension pots and a vague sense we were behind. The review meeting forced us to name school fees and a hoped-for early retirement date, which we had never put on the same page. The written pack was dense in places — I needed the follow-up call — but the action list finally felt specific.”
“I wanted someone who understood director dividends and company cash, not a generic savings chat. Kingsmere mapped my exit year against personal contributions before I signed heads of terms. The only hitch was scheduling the peer-check week around my accountant's leave.”