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A Clear Approach to Financial Planning
A structured, step-by-step process designed to bring clarity, confidence, and control to your financial decisions.
plan of action
How We Can Help
We offer an initial consultation at no cost to you. This meeting allows us to understand your financial goals and determine how we can best support you in achieving them. During this time, we will also provide clear information on the costs and service options available, both at the outset and throughout our relationship.
Working together
Financial planning isn’t just about one decision—it’s about having a clear strategy and the confidence to follow it.
Most of my clients choose to work with me on an ongoing basis, building and refining a long-term financial plan together.
For those who prefer focused, one-off advice, I also offer fixed-fee options.
The Typical Journey
For most clients, financial advice follows a structured process.
1. Financial Planning
We start with a comprehensive financial plan, designed around your goals, lifestyle, and future ambitions.
This may include:
- Retirement planning
- Investment strategy
- Cashflow modelling
- Tax-efficient structuring
£2,490
This fee represents the initial stage of working together and covers the full financial planning process. If you decide to proceed with implementation, this fee will be credited towards your implementation costs.
2. Implementation
If you decide to proceed, I can arrange and manage the implementation of your plan—whether that involves investments, pensions, or restructuring existing arrangements.
Fees for implementation are typically:
- 3% on the first £250,000
- 1% on assets above £250,000
- Typically capped at £20,000
- Minimum fee: £2,490
The cost of your financial plan will be credited towards this fee if implementation proceeds. The exact fee will always be agreed with you in advance.
3. Ongoing Financial Planning
Many clients choose to continue working with me on an ongoing basis.
This allows us to:
- Adapt your plan as your life evolves
- Respond to market changes
- Ensure your investments remain aligned with your goals
- Provide regular reviews and ongoing support
Typical ongoing fee - 1% per year of assets under management
From Plan to Action
Once your financial plan is in place, we move into implementation and, where appropriate, ongoing financial planning.
This ensures your strategy is not only well-designed but also properly executed, monitored, and adapted over time.
This approach is typically suited to individuals and couples who value a structured, long-term approach to managing their finances.
Who I Typically Work With
My services are best suited to individuals and couples who:
- Want a clear, long-term financial strategy
- Value ongoing advice and support
- Typically have £200,000+ in investable assets
Fixed-Fee services
One-Off Advice Options
If you’re not looking for ongoing advice, I also offer focused, fixed-fee services.
These are ideal if you want clarity on a specific area of your finances.
These services do not include product recommendations, setting up new policies and annual reviews, which are priced separately.
Financial Plan & Cashflow Modelling - £2,490
A full financial plan with up to three cash flow scenarios.
A fixed fee, fully documented financial report of your assets and liabilities, cashflow report and projected future financial standing.
Financial Health Check - £797
A structured review focused on a specific area, such as pensions, investments, or estate planning.
Based on 4h consultation, includes 20% discount. This can also have a specific topic, for example Estate Planning, Workplace Pension Review, or other.
Power Hour - £249
A one-off session to answer questions and provide guidance.
This Power Hour is dedicated to you and topic of your choice, for example, budgeting, financial goal setting, or general financial couching.
Take the First Step Towards a Clear Financial Plan
Financial Planning, Done Properly
Plan. Invest. Retire with Confidence.
A clear, structured approach to managing your wealth built around your goals, your life, and your future.
FAQ
How much will it cost me?
Our fees depend on how complicated the case is and will be assessed at the time of the first appointment. The charges for investment and pension advice will be agreed during the first consultation and can be based on a fixed fee, an hourly rate, a percentage of the amount invested, or a combination of all of the above. Typically, the initial transactional fee is 3% of assets under management (i.e. pension or ISA) and 1% ongoing fee.
Why do I need a financial adviser?
There are a few reasons why you would go with the adviser instead of going on your own. Firstly, we are whole of market advisers and have access to thousands of funds and hundreds of products that are not available directly to clients. Secondly, we are making the process less stressful and effortless for you. We will chase the pension providers, spend time on the phone to pursue your case and arrange all documents for you for a fuss-free process. Thirdly, (but in our opinion, the most important), our job is to find the right product for you that will fit your investment profile. We will research providers, products and funds for you to invest in, we will provide annual reviews, recommendations and rebalancing for your portfolio. We will try to help you stay on track to achieve your financial goals, and most importantly, financial freedom.
"i'm feeling lost" - can you help me?
Yes! We can help you find your way into investments, pensions, savings and home ownership or help you start investing in properties. We can help you find your way into investing, whether through an ISA, bonds or property. We can help you to plan for your retirement, save for your children or minimise your inheritance tax liabilities.
Can I get free financial advice?
You can seek financial guidance from MoneyHelper, which includes PensionWise, or the Citizens’ Advice Bureau, which is free of charge. Current FCA rules do not allow Financial Advisers to get paid a commission on pensions and investments, so they will always charge a fee. The fee will depend on the service provided and the complexity. We offer a free initial consultation to see if we can help you and present the cost of the advice before undertaking any work.
Can you help me to consolidate my pensions?
We can help you consolidate the pensions and prepare a new pension plan. However, we will do our research first to see if there is a good reason to do so and to find a best solution going forward. Not everyone should consolidate their pensions and we will guide you throughout the process to see if you would benefit from consolidation.
what can i expect in the process?
To start, we will ask you a lot of questions, which are to assess your circumstances and come up with the best course of action. We will arrange a meeting and gather information in a document called Fact Find, which will help us to decide what the right product is for you. We will provide recommendations, and if you decide to go with this, we will arrange all the paperwork for you.
