Advice engagement

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

Request a discovery call
Laptop and printed cash-flow spreadsheet on a wooden desk

Who this is for

Households and self-employed professionals in Northern Ireland and the wider UK who need decisions sequenced—contribution levels, pension consolidation questions, emergency fund sizing, or how to treat a bonus or inheritance without guessing.

Result and scope

You receive a written plan that states what to do first, what can wait, and which products or wrappers (if any) we recommend after assessing risk capacity and capacity for loss. The engagement typically spans four to six weeks from signed letter to report, depending on how quickly documents arrive.

Provider and delivery

Advice is delivered by Harbor Crest advisers from our office at 3083 Ara Key, Lehnerwell, Northern Ireland, United Kingdom, with video meetings available across the UK. Meetings last 60–90 minutes; the report is issued in writing before any product application proceeds.

Preparation

Bring recent pension annual statements, ISA and general investment valuations, mortgage or rent details, and a note of regular outgoings. If you are self-employed, the latest accounts or tax computation help us model contribution headroom.

Pricing basis

Quoted as a fixed engagement fee after discovery. Typical personal planning work starts from £1,450; more complex multi-pension or inheritance interactions are quoted higher once scope is clear. An optional annual review retainer is available after the initial plan.

Included
  • Discovery call and written engagement letter with fees
  • Fact-find meeting covering income, outgoings, pensions, and investments
  • Suitability report with prioritised recommendations
  • One implementation review within three months of the report
Not included
  • Mortgage or equity release arrangement
  • Ongoing discretionary fund management
  • Tax return preparation or accountancy filing
  • Legal drafting of wills or trusts

How the engagement runs

  1. 1

    Discovery call

    A complimentary 30-minute conversation to confirm your questions sit within our permissions and that we have capacity for the work.

  2. 2

    Fact-find & documents

    You complete a structured questionnaire and share pension statements, ISA valuations, and relevant payslips or accounts.

  3. 3

    Analysis & report

    We build cash-flow sketches, compare pension options where relevant, and issue a suitability report with sequenced actions.

  4. 4

    Implementation review

    A follow-up meeting within three months to check what has been put in place and adjust timings if your circumstances shifted.

Schedule a discovery call