Fees
How we charge for advice
Fees reflect adviser hours, research depth, and the number of product providers involved. Nothing here is a checkout; figures are guidance so you can decide whether an engagement makes sense before we open a file.
Engagement
Typical basis
Retirement Income Planning
From £1,450 for a full retirement income review
Mortgage & Protection Advice
Advice fee agreed before recommendation; often offset by lender or insurer commission disclosure
Investment Portfolio Review
From £950 for a single-portfolio suitability review
Business Owner Wealth Structuring
Quote based on company complexity and adviser hours
Inheritance & Estate Cash Flow
From £1,200 for an estate cash-flow briefing
What shapes an estimate
- Number of pension schemes or investment accounts to research
- Whether safeguarded benefits require specialist transfer analysis
- Joint meetings with your accountant or solicitor
- Travel for in-person meetings outside our usual Wales corridor
- Ongoing annual reviews versus a single project engagement
Mortgage and protection work may involve disclosed commission from lenders or insurers. Where that applies, we still agree an advice fee structure with you in advance and show the disclosure in the suitability report.
Deposits and invoices
Project work usually takes a 30% deposit on signed engagement, with the balance due when the written recommendation is delivered. Annual review retainers — where agreed — are billed quarterly. We do not process card checkout on this site; invoices are issued by email after terms are accepted.
Request a fee estimate