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PlanAI
Suitability Report
12 March 2025
Ref: SL-2025-0047
Mr & Mrs Henderson
Prepared by: Sarah Mitchell DipPFS | Thornfield Financial Planning
Re: Pension Consolidation and Drawdown Recommendation
Following our meeting on 5 March 2025, I am writing to confirm the advice I provided regarding the consolidation of your existing pension arrangements and the establishment of a flexi-access drawdown plan.
Having reviewed your current financial position, income requirements, and risk tolerance (assessed as Cautious-Moderate, 4/10), I recommend consolidating your three existing pension arrangements into a single platform. This recommendation is made in accordance with COBS 9.4 and your stated objectives of flexibility and capital preservation.
The projected fund value at retirement age 67 is £284,500, based on a growth rate of 5.5% and your confirmed attitude to risk. Your guaranteed pension income from Aviva of £12,400 per annum remains unaffected by this recommendation.
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