Rates
Fees stated before advice begins
UK financial advice fees at Fairwater are quoted as fixed amounts for a defined scope wherever possible. The figures below are guidance; your letter of engagement confirms the exact fee.
Discovery call
Up to 25 minutes by phone or video to confirm whether we can help and which consultation fits.
Comprehensive financial planning
Full household fact-find, written plan, and clarification meeting. Price rises with the number of pension schemes and whether both partners are included.
Retirement income mapping
State Pension, defined contribution pots, and spending needs turned into a drawdown sequence with tax notes.
Investment portfolio review
One deep review of existing holdings for cost, risk, and alignment — without assuming you will switch providers.
Business owner cash & pension advice
Company and household viewed together. Scoped after we see turnover, buffers, and existing pension arrangements.
Annual plan review
For clients with an existing Fairwater plan: update valuations, life changes, and next-year actions.
What changes a quote
- Number of legacy workplace pensions that need tracing
- Defined benefit transfer analysis (when appropriate and separately scoped)
- Joint advice for couples with materially separate assets
- Travel beyond remote meetings when an on-site visit is requested
Implementation of products, if you instruct it, carries its own costs disclosed before applications are submitted. We do not present subscription tiers; advice is professional work priced for the engagement.