Fees
Pricing that matches the depth of the question
These figures are informational starting points. Complex estates, multiple defined benefit schemes, or director pensions are quoted after a short scoping call — we never force a simple fixed price where the work is not simple.
| Consultation | Starting fee | Typical basis |
|---|---|---|
| Personal Financial Review | From £485 | Fixed fee for a standard household; higher for multi-pension cases |
| Pension Consolidation Guidance | From £320 | Per engagement, based on number of schemes reviewed |
| Protection Needs Assessment | From £275 | Fixed fee for a family or sole-earner assessment |
| Pre-Retirement Cashflow Planning | From £560 | Fixed fee for a couple or individual plan with scenario sketches |
What changes a quote
Number of pension schemes, presence of defined benefit benefits, overseas income, or trust arrangements can extend research time. We confirm the fee in writing before you send documents. A deposit may be requested to reserve a review slot; unused deposits are handled under our refund and cancellation policy.
How payment works
Invoices are issued for advice fees only. This site does not process payments or checkout. Bank transfer details appear on the invoice. Product commissions are not the default model for our reviews; where a product recommendation involves commission, that is disclosed separately in the advice letter.
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