Advice area
Comprehensive Financial Planning Review
A structured review of cash flow, pensions, protection, and investments, culminating in a written plan you can act on over the next twelve months.
Our flagship engagement is a Comprehensive Financial Planning Review for individuals and couples who want a single, coherent plan rather than scattered product decisions.
Who it is for
Households in Wales and across the UK who are balancing pensions, savings, mortgage decisions, and protection needs — often ahead of retirement, a business sale, or an inheritance. You do not need a large portfolio; you need decisions that affect how you live.
The result
You receive a written plan pack covering cash-flow priorities, pension positioning, investment risk suited to your horizon, and any protection gaps we identify. Recommendations are sequenced over the next twelve months so you know what to do first.
Scope included
- Discovery meeting covering income, spending, assets, debts, and goals
- Fact-find and document review (pension statements, policy schedules, ISA valuations)
- Cash-flow illustration for the planning horizon you choose
- Written recommendations with reasons, risks, and alternatives considered
- A follow-up call to walk through the plan pack and agree next steps
Outside this engagement
We do not provide accountancy, tax filing, or legal drafting. Investment instructions are only placed when you have agreed a separate advice mandate. Ongoing portfolio oversight is available as a separate retainer after the initial plan.
Provider & process
Advice is delivered by Anchor House Financial Planning advisers based in South Zulauf, Wales. Typical path: introductory call → discovery meeting → analysis period → recommendation meeting → written plan. Most clients finish within four to six weeks, depending on how quickly scheme providers return information.
Location & preparation
Meetings can be held at our Wales office or by video. Before the discovery meeting we ask for recent pension statements, mortgage details, and a rough monthly budget. There is no obligation to buy a product as part of the fee.
Pricing basis
Fees start from £1,450 for a single household review. Couples with complex defined-benefit pensions or multiple properties receive a fixed quote after the introductory call. See our fee guidance for related engagements.
Next step
Arrange an introductory call and tell us what prompted you to seek advice. We will confirm whether a full planning review is the right fit or suggest a narrower pension or protection piece of work.