Fees
How we charge for advice work
Most engagements use a fixed fee agreed in writing before analysis starts. Exact fees depend on the number of pensions, complexity of benefits, and whether implementation support is included.
Retirement Income Planning
A structured review of pensions, State Pension timing, and drawdown choices so your retirement income lasts as long as you need it.
Pension Consolidation Review
Compare scattered workplace and personal pensions against consolidation options, including charges, guarantees, and transfer risks.
Investment Portfolio Second Opinion
An independent look at how your existing ISA, GIA, and pension investments are allocated relative to your time horizon and risk capacity.
Protection Needs Assessment
Review life cover, income protection, and critical illness needs against mortgage and family commitments.
Business Owner Financial Planning
Coordinate personal pensions, company contributions, and extraction planning for directors of limited companies.
What influences the final fee
- Number of pension schemes and whether defined benefit transfers are involved
- Whether you already hold organised statements or need provider chasing
- Joint advice for couples versus a single client
- Follow-up implementation calls with providers after the written plan
What we do not do
We do not present monthly software-style subscriptions for advice. Ongoing reviews, if wanted, are quoted separately after the first engagement. Payment for advice fees is arranged by invoice — this site does not take card payments.
Ask for a fee outline