Whole-of-wealth financial advice

Who it is for

Households who have outgrown ad-hoc decisions: several workplace pensions, a growing ISA pot, maybe a rental property or an expected inheritance. You want one adviser who will read the statements, ask about your actual spending, and write recommendations you can act on without chasing five different providers yourself.

What you receive

• A documented fact-find covering income, outgoings, pensions, investments, debts, and protection
• Cashflow projections for the next five to fifteen years, including state pension timing where relevant
• Written recommendations with reasons, risks, and what we deliberately leave alone
• A fee schedule for any ongoing reviews, separate from product charges
• A prioritised action list — what to do this month, this tax year, and what can wait

What is not included

We do not execute stock trades day-to-day, prepare your tax return, or draft wills. Where a solicitor or accountant is needed, we explain why and stay available to coordinate figures — we do not replace those professionals.

How the engagement runs

1. Discovery call (30 minutes) — confirm whether whole-of-wealth advice is the right fit, outline documents to gather, and share our fee estimate.
2. Fact-find meeting — usually 90 minutes. Bring pension statements, ISA valuations, mortgage details, and notes on gifts or inheritances you expect.
3. Analysis & research — we model scenarios (for example earlier retirement, reduced hours, or gifting to children) against current UK tax and pension rules.
4. Recommendation meeting — we walk through the written plan, answer pushback, and agree which actions you will take yourself versus those you want us to support.
5. Follow-through window — thirty days of email and phone clarification on the agreed actions at no extra charge.

Preparation

List every pension you remember, even old ones with tiny balances. Note any workplace benefits, salary sacrifice, or death-in-service cover. If you share finances with a partner, both of you should attend the fact-find if possible.

Location & delivery

Meetings take place at our Cormier Heath office or by secure video. Documents can be shared by encrypted email or brought as paper copies. We advise clients across England and Wales; we do not currently take instructions for offshore residency cases.

Pricing basis

Fees are fixed for the agreed scope after the discovery call. The starting figure of £1,850 covers a typical couple with two to four pension arrangements and straightforward ISA savings. Complex share schemes, business ownership, or multiple properties are quoted separately. Product commissions are not how we are paid for this engagement.

Next step

Request a consultation and mention “whole-of-wealth advice” in the form. We aim to reply within two working days with available slots.