Comprehensive Financial Planning

Who this planning engagement is for

Comprehensive financial planning suits households and couples who hold pensions, ISAs, and protection policies across more than one provider and want a single written plan before making large decisions — changing jobs, selling a business interest, retiring, or supporting parents.

It is not a product sale meeting. You leave with priorities, cash-flow ranges, and documented recommendations. Implementation of any product follows only after you accept specific advice in writing.

What is included

• Discovery call to confirm scope and fee
• Fact-find covering income, spending, pensions, investments, debts, and protection
• Attitude to risk and capacity for loss discussion grounded in your real buffer
• Written plan with actions sequenced over the next one to three years
• One clarification meeting after you have read the plan

What is excluded

• Drafting wills or lasting powers of attorney (we refer to solicitors)
• Accountancy or tax return filing
• Ongoing discretionary investment management unless separately agreed
• Emergency debt advice better handled by free specialist charities

How the work unfolds

1. You send statements and complete a short questionnaire before meeting two.
2. We meet in Heaneyham or by video to test assumptions and trade-offs.
3. You receive the written plan; we schedule a follow-up to answer questions.
4. If you instruct implementation, we handle paperwork with clear costs shown first.

Preparation and constraints

Please allow time to gather pension statements — older workplace schemes often take weeks to locate. Advice is personal to UK residents; cross-border tax questions may need specialist counsel beyond this engagement.

Fees for comprehensive planning start from £850 depending on the number of schemes and whether both partners’ affairs are included. A fixed quote is confirmed before paid work begins.