Personal Financial Planning
A written cash-flow and goal plan covering pensions, ISAs, protection, and near-term spending decisions for households and freelancers.
From £1,450 fixed engagement fee
UK financial advice & consulting
Harbor Crest
Pension reviews, cash-flow planning, and inheritance conversations for families and business owners who want recommendations they can act on—not a product brochure.
Meetings in Lehnerwell, Northern Ireland — or by video across the UK.
Flagship engagement
Personal financial planning
A structured advice engagement that maps income, pensions, ISAs, protection, and near-term goals into a written plan. Typical clients are approaching a career change, inheritance, or retirement window and need decisions sequenced over the next three to five years.
You leave with a prioritised action list, projected cash-flow sketches, and clear notes on what we will implement versus what you manage yourself.
View planning engagement
Related consultations
Advice you can enquire about
Pension Review & Consolidation
Statement analysis across workplace and personal pensions, charge comparison, and transfer advice only where it improves your position.
From £950 fixed fee
Estate & Inheritance Planning
Conversations on gifting, nil-rate bands, and how pensions and ISAs sit within a family inheritance picture—coordinated with your solicitor.
Quote after discovery
Business Owner Advice
Director pension contributions, company cash extraction sequencing, and personal protection reviewed against trading cash flow.
From £1,800 engagement
How engagements begin
Start with a discovery call
A complimentary 30-minute call to establish whether your questions fit our permissions and capacity. If we proceed, we issue an engagement letter with fees, timescales, and the documents we need before the first paid meeting.
Read the engagement processFrom recent clients
What the work actually felt like
We came in with three different pensions and no clear picture of what each would pay. Eleanor spent two sessions mapping the charges and transfer options before recommending anything. The paperwork still took longer than we hoped, but we finally understand what we hold.
I expected a hard sell on products. Instead I left with a written cash-flow plan and a shortlist of ISA and pension contributions that fitted my freelance income. Mild reservation: the first meeting ran over, so book a full morning if you can.
Ready to sort the numbers that keep you awake?
Tell us about your pensions, inheritance questions, or business cash extraction plans. We reply within two working days.