Engagement path
From first call to written recommendation
Advisory work at Harbor Line follows a repeatable path so you always know which stage you are in — and what you will hold in your hands at the end.
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Suitability call
A short conversation to confirm we can help, outline likely fees, and send a document checklist. No charge for this call.
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Engagement letter
We confirm the consultation name, fee, meeting format, and deliverables. Work begins when you accept the letter and the first invoice stage is settled where applicable.
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Fact-find meeting
Income needs, dependents, pensions, ISAs, property, and risk comfort are recorded. You may meet at 255 Forest Spring or by video.
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Analysis away from the table
We model options and draft the recommendation without asking you to decide in the room. Complex scheme rules are checked against provider literature.
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Recommendation meeting & letter
You receive a plain-English letter stating assumptions, options considered, and actions for you to take with providers or solicitors.
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Follow-up window
Retirement Income Planning includes one clarifying call within 30 days. Other consultations specify follow-up in their engagement letters.
Ready to choose a consultation?
Most clients begin with Retirement Income Planning or a Pension Consolidation Review. Compare the full list, then request a conversation.
