Consultation

Comprehensive financial planning review

A full household or director-level review of cash flow, pensions, investments, protection, and tax wrappers, ending in a prioritised written plan.

From £1,850 fixed fee for a standard household review

Request a consultation
Charts and planning notes spread across a meeting table

Who this is for

Couples and company directors who need one coherent view of salary, dividends, pension contributions, ISA capacity, and life cover before a major life change — a house purchase, a retirement date, or a share sale.

Result you walk away with

A signed-off planning memorandum covering current position, shortfalls, recommended contribution levels, and a sequenced list of actions for the next twelve months. Your accountant receives a concise summary on request.

Scope included

  • Fact-find interview (up to 90 minutes) covering income, debts, pensions, and dependents
  • Soft copies of statements reviewed before the meeting where you supply them in advance
  • Cash-flow projection for a base case and one alternative scenario
  • Written recommendations on workplace pensions, personal pensions, and ISA use
  • Protection gap note for life cover and income protection only (medical underwriting is separate)
  • One follow-up call within 30 days to clarify implementation steps

Outside this engagement

We do not execute trades, complete HMRC forms on your behalf, or provide regulated conveyancing or will-writing. Discretionary fund management is not included; if you need ongoing portfolio management we will refer you to a suitable firm.

Provider and delivery

Advice is delivered by a North Quay adviser authorised for UK financial advice. Meetings are held by video or at our England office by appointment. Typical turnaround from first meeting to written plan is three to four weeks, depending on how quickly statements arrive.

Preparation

Please gather recent pension statements, ISA valuations, mortgage illustrations, and the last two years of tax computations if available. A short questionnaire is sent after you confirm the engagement letter.

Pricing basis

Standard household reviews start at £1,850 fixed. Director or multi-property cases are quoted after a complimentary discovery call. A deposit of 40% is due on signing; the balance is payable on delivery of the memorandum.

Next step

Request a consultation and note “comprehensive planning” in your message. We will confirm suitability and send a draft engagement letter within two working days.