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Our Services

Transparent pricing for professional pension advice

How our pricing works

Every service has a fixed price. No hourly billing, no hidden fees, no percentage-based charges that grow as your pension does.

You know exactly what you're paying before we start. If the work takes longer than expected, that's our problem, not yours.

Pension Consolidation Review

£487.50

We track down all your existing pensions - workplace schemes, SIPPs, stakeholder plans, old personal pensions you might have forgotten about.

Then we analyse each one: fees, performance, fund quality, hidden charges. You'll see exactly what you're paying and whether consolidation makes sense.

What's included:

  • Complete pension trace across all providers
  • Fee analysis for each scheme
  • Performance comparison against benchmarks
  • Consolidation recommendation report
  • Provider comparison if transfer recommended

Typical timeline:

2-3 weeks from data gathering to final report delivery

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Retirement Income Projection

£675.00

Detailed modelling of your retirement income across multiple scenarios. We show you what you'll actually have, not optimistic fantasy numbers.

Includes Monte Carlo simulations - thousands of market scenarios so you understand probability, not just possibility.

What's included:

  • Income projections for ages 55-95
  • Multiple retirement age scenarios
  • Monte Carlo simulation (1,000+ market scenarios)
  • Tax-efficient withdrawal strategy
  • State pension integration
  • Inflation-adjusted figures

Typical timeline:

3-4 weeks including data analysis and scenario modelling

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SIPP Setup & Management

£1,250.00

Complete setup of a Self-Invested Personal Pension with ongoing quarterly management. We handle provider selection, fund allocation, and regular rebalancing.

First-year fee includes setup and four quarterly reviews. Subsequent years billed at £850 annually.

What's included:

  • SIPP provider selection and setup
  • Initial asset allocation strategy
  • Fund selection across equity, bonds, alternatives
  • Quarterly performance reviews
  • Rebalancing as needed
  • Annual strategy adjustment meeting

Typical timeline:

4-6 weeks for initial setup, then ongoing quarterly reviews

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Defined Benefit Transfer Analysis

£1,875.00

Comprehensive evaluation of whether transferring your final salary pension makes financial sense. This is regulated advice - we're authorized to provide transfer recommendations.

Most people shouldn't transfer. But sometimes the numbers genuinely support it, and you need qualified analysis.

What's included:

  • Full defined benefit scheme analysis
  • Transfer value assessment
  • Comparison of guaranteed income vs transfer benefits
  • Health and lifestyle factor analysis
  • FCA-compliant recommendation report
  • Alternative strategy exploration

Typical timeline:

4-6 weeks including CETV procurement and detailed analysis

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Complete Retirement Planning

£2,400.00

Full-service retirement planning covering every aspect of your financial future. This is our most comprehensive service - everything you need in one package.

First-year fee includes complete setup and three progress reviews. Ongoing annual reviews billed at £1,200.

What's included:

  • Complete pension consolidation review
  • Retirement income projection with multiple scenarios
  • Tax optimization strategy
  • Investment allocation across all accounts
  • Estate planning considerations
  • Social care cost planning
  • Three progress review meetings in first year
  • Ongoing access for questions between reviews

Typical timeline:

Initial 6-8 weeks for comprehensive analysis, then ongoing relationship

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Pre-Retirement Drawdown Strategy

£825.00

For clients within 3 years of retirement who need a detailed withdrawal strategy. How much to take, when to take it, and how to minimize tax.

Includes lump sum vs drawdown analysis, state pension deferral evaluation, and phased retirement planning.

What's included:

  • Tax-efficient withdrawal sequencing
  • Lump sum vs income comparison
  • State pension timing optimization
  • Phased retirement scenario modelling
  • First-year drawdown schedule

Typical timeline:

3 weeks from initial meeting to strategy delivery

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Why fixed pricing matters

Percentage-based fees create perverse incentives. If an adviser charges 1% of assets under management, they profit from keeping your money where it is - even if moving it would serve you better.

Hourly billing creates uncertainty. You don't know the final cost until the work is done, which limits your ability to budget and creates incentive for inefficiency.

Fixed fees align our interests with yours. We deliver the work, you pay the agreed price, and there's no confusion about costs.

Additional services

Need something not listed here? We also provide ad-hoc pension reviews, second opinions on transfer recommendations, and dispute resolution support with providers.

For custom work, we'll provide a written quote before starting. You'll always know the cost upfront.

Book your service

Select a service and we'll arrange your initial consultation.