Consultation

Personal Financial Review

A structured review of income, savings, pensions, and protections for households planning their next five to ten years in the UK.

Advisor reviewing financial documents at a desk
  • Who it is forIndividuals and couples across Britain who want a clear reading of their current finances before making decisions about pensions, mortgages, or long-term savings.
  • What you receiveYou leave with a written summary of your position, prioritised recommendations, and a short list of practical next steps you can take with your existing providers or through us.
  • ScopeIncome and outgoings mapping, emergency fund assessment, pension consolidation review, protection gap check, and ISA or investment allocation discussion within UK tax wrappers.
  • FeesFrom £485 for a standard household review. Larger estates or multi-pension cases are quoted after an initial call.
  • TimelineTypically two to three weeks from booking to written summary.
  • Where we meetMeetings at our St. Conn office or by secure video for clients elsewhere in Great Britain.
  • Who advisesA Stonegate adviser regulated for personal recommendations under UK financial advice rules.
Request a review

Included

  • Ninety-minute discovery meeting (in person in St. Conn or by video)
  • Document checklist and secure file upload guidance
  • Written financial position summary
  • Prioritised action list with estimated timelines
  • One follow-up call within thirty days

Not included

  • Discretionary investment management
  • Mortgage broking or product sales as the primary engagement
  • Tax return preparation or accountancy filing
  • Advice on overseas tax residency

How the review runs

  1. Submit an enquiry with a brief note on what prompted the review
  2. We send a document checklist and book your session
  3. Discovery meeting covering goals, obligations, and existing arrangements
  4. Written summary delivered within seven working days
  5. Optional follow-up call to clarify recommendations

Preparation: Bring recent pension statements, bank summaries for three months, mortgage or rent details, and any protection policy schedules.

Constraints: We advise on personal finances for UK-resident individuals. Company director schemes and complex trust work may require a separate engagement letter.

Prefer to see the stages in narrative form? Read our approach page.