Fees
Pricing that follows the work
Fees are fixed or quoted after a free introductory call. Complexity — multiple pension pots, overseas income, or overlapping policies — can move a quote upward; simple single-pot reviews sit at the starting figures below.
Personal Financial Planning
A structured review of income, outgoings, savings, pensions and protection, ending with a written plan you can act on.
Fee confirmed after the free introductory call based on complexity.
From £850 for a full personal financial plan
Retirement Income Planning
Map pension pots, state pension timing and spending needs so retirement income feels sustainable rather than uncertain.
Quoted after an introductory call.
From £750
Investment Guidance
Risk-appropriate portfolio guidance for ISAs, pensions and general accounts, grounded in your time horizon and temperament.
May be combined with a full financial plan at a reduced joint fee.
From £650
Protection & Family Cover Review
Check life cover, income protection and critical illness against real household commitments so gaps are visible before they matter.
Often bundled with personal financial planning.
From £450
What shapes a quote
- Number of pension schemes and investment accounts to review
- Whether cash-flow modelling needs several retirement date scenarios
- Joint households versus individual engagements
- Whether protection and investment work are bundled with a full plan
What we do not charge
The introductory suitability call is free. We do not charge for resending a copy of your written plan within six months of delivery. Ongoing discretionary portfolio management is not offered, so there is no annual management percentage for that service.