Consultation

Financial Planning Consultation

A structured review of income, pensions, savings, protection, and longer-term goals, ending with a written plan you can act on.

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Adviser reviewing printed financial statements at a desk

Who it is for

Households and business owners in Wales and the wider UK who want a clear picture of their finances before making decisions about pensions, savings, or protection.

What you receive

A written planning summary covering cash flow, retirement trajectory, protection gaps, and recommended next actions — with plain-language notes rather than product sales language.

Provider: Cedar Wharf Financial Advice advisers based in Parker-on-Bednar

Scope of the engagement

Included

  • Fact-find covering income, expenditure, pensions, ISAs, and existing cover
  • Cash-flow overview and retirement income projection
  • Written recommendations with rationale
  • One follow-up call within 30 days to clarify the plan

Not included

  • Implementation of products or fund switches (available as a separate engagement)
  • Tax return preparation or accountancy work
  • Legal drafting of wills or trusts
  • Ongoing discretionary investment management

How the work unfolds

  1. 1

    Discovery call

    A short call to confirm the questions you want answered and whether a full planning consultation is the right fit.

  2. 2

    Fact-find meeting

    We gather figures for pensions, workplace schemes, mortgage balances, and protection policies, and note any near-term decisions such as retirement dates or school fees.

  3. 3

    Analysis & written plan

    We model scenarios, identify gaps, and prepare a plan you can keep — including what to leave alone.

  4. 4

    Presentation & follow-up

    We walk through the plan together, then remain available for one clarifying call within a month.

Preparation & practical notes

Bring recent pension statements, P60 or tax summary, mortgage details, and a note of monthly outgoings. If you have multiple workplace schemes from previous employers, gather what you can — we will help chase missing paperwork.

Advice is provided under UK regulation for clients resident in Great Britain. We do not provide US or offshore tax advice. Complex defined-benefit transfer cases may need a separate pension transfer review.

Next step

Request an appointment through our appointments page or contact form. We will confirm availability and send a fact-find checklist before the meeting.

Send an enquiry