Fees
How we charge for advisory work
Fees are engagement-based and confirmed in writing after an introductory call. We do not take percentage trail on products you already hold, and we do not present monthly subscription tiers.
Retirement Income Planning
From £1,450
Fixed fee for the full engagement once document volume is clear. Includes two meetings, cashflow modelling, recommendation letter, and one follow-up call within 30 days.
Pension Consolidation Review
From £890
Covers a two-pot comparison. Additional pots are quoted after intake. Includes transfer risk notes and a keep-or-combine recommendation.
Investment Portfolio Review
From £750
Single tax-wrapper review as a starting point. Multi-wrapper households receive a scoped quote after the introductory call.
Inheritance Tax Conversation
£420
Two-hour session plus a summary note suitable for briefing a solicitor. Legal drafting is not included.
What affects the final quote
- Number of pension schemes and investment accounts to review
- Whether defined benefit transfer advice thresholds apply
- Meeting format — Scotland office versus video
- Urgency tied to scheme deadlines or tax-year cut-offs
Payment
An invoice is issued when the engagement letter is signed. For longer retirement engagements, we may split the fee between commencement and delivery of the recommendation letter. Card and bank transfer are accepted; we do not process payments for investments on this website.