Fees
How we charge for advice
Most engagements use a fixed fee agreed before work starts. Mortgage cases may involve lender procuration fees — we explain the mix in writing before you proceed. Prices below are guidance for UK financial advice and consulting; complex cases may sit higher.
| Engagement | Basis | From |
|---|---|---|
| Financial Planning Consultation | Fixed fee for the consultation and written plan | £650 |
| Retirement Income Planning | Fixed fee | £850 |
| Pension Transfer Review | Fixed fee; higher for complex schemes | From £1,200 |
| Inheritance & Estate Planning Advice | Fixed fee | £750 |
| Mortgage & Protection Advice | Fee and/or lender procuration fee — explained before you proceed | From £400 advice fee |
What influences the fee
- Number of pension schemes and whether safeguarded benefits are involved
- Whether a written suitability report must meet transfer advice standards
- Joint meetings with solicitors or accountants
- Travel for home visits outside the immediate Parker-on-Bednar area
What we do not do
We do not offer monthly software-style subscriptions, “Starter / Professional / Enterprise” packages, or percentage trail fees disguised as planning. Ongoing reviews, if requested, are scoped as separate annual engagements with their own fee letter.
Payment is for advice time and documentation. Product providers may pay commission on some protection or mortgage cases; any such payment is disclosed and offset against agreed fees where applicable.
Need a quote for your situation?
Describe the decision you face — retirement date, CETV letter, remortgage, or estate briefing — and we will confirm a fee before booking.
Request a fee confirmation