Fees
How we price advice work
Fees reflect complexity — number of pots, company interests, and whether modelling spans multiple retirement dates — not a subscription ladder. You receive a written fee quote before we gather documents.
Comprehensive Wealth Review
From £1,450
Covers a single household with a standard mix of pensions, ISAs, and protection. Additional business interests, overseas holdings, or trusts are scoped separately after discovery.
Pension Consolidation Guidance
From £650
Includes analysis of up to four pots. Further pots, guaranteed benefits, or employer scheme constraints increase the fee, confirmed before transfer recommendations are written.
Retirement Income Planning
From £1,100
Includes cash-flow modelling for two retirement start dates and stress tests across three market sequences. Annuity illustrations, where requested, are included in the pack.
Business Owner Financial Planning
From £1,850
Director-focused engagements covering personal wealth alongside company pensions and exit timing. Accountant coordination meetings may be billed at an agreed hourly rate if required beyond the scoped pack.
Protection & Family Cover Review
From £420
Standalone review of life, critical illness, and income protection against household commitments. Often absorbed into a Comprehensive Wealth Review when booked together.
What changes a quote
- Number of pension pots and whether guarantees need specialist review
- Company shareholdings or imminent sale timelines
- Home visits beyond our usual Castle Murphy catchment
- Urgent timelines that require evening or weekend meetings
Payment
An invoice is issued on engagement acceptance. A deposit may be requested for flagship reviews; the balance is due when the written pack is delivered. Fees are informational on this page and confirmed in your engagement letter.