Consultation

Comprehensive Financial Planning Consultation

A structured advisory engagement that maps your pensions, savings, protection, and tax-year decisions into a written plan you can act on with confidence.

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Desk with financial documents, calculator, and notebook ready for a planning session

Who this is for

Households and professionals in England who want a clear picture of pensions, workplace benefits, ISA allowances, and how mortgage or school-fee commitments sit against longer-term goals — typically before a promotion, inheritance, divorce settlement, or retirement window.

What you walk away with

A concise written plan covering cashflow priorities, pension consolidation options worth reviewing, recommended protection gaps to close, and a sequenced list of actions for the next twelve months — not a product sale.

Included

  • Discovery call to confirm suitability and gather documents
  • Full fact-find covering income, outgoings, pensions, investments, and debts
  • Risk discussion grounded in your real spending needs, not a questionnaire alone
  • Written recommendations with rationale and next steps
  • One follow-up call within six weeks to clarify implementation

Not included

  • Discretionary investment management or ongoing portfolio trading
  • Tax return preparation or accounting filings
  • Legal drafting of wills or trusts
  • Guaranteed investment returns

Practical details

Provider
Eleanor Pennycroft, Chartered Financial Planner (or an associate under her supervision)
Duration
Typically four to six weeks from discovery call to written plan; meetings last 60–90 minutes
Location
Video meetings across the UK, or in-person at our Dicki-le-Maggio office by arrangement
Preparation
Recent payslips, pension statements, ISA and investment valuations, mortgage offer or repayment schedule, and a note of near-term goals (house move, career change, caring responsibilities)
Fees
From £1,450 for a single-household plan; couples or complex pension histories quoted after the discovery call

How the engagement unfolds

  1. 1

    Introductory conversation

    A short call to understand why you are seeking advice now, what has changed, and whether a full planning engagement is the right fit — or a narrower pension review would serve you better.

  2. 2

    Fact-find and document review

    You share statements and we reconstruct your current position — state pension forecast, workplace schemes, protection cover, and monthly commitments that constrain how much you can redirect.

  3. 3

    Recommendations meeting

    We walk through options in plain English — contribution levels, consolidation trade-offs, protection top-ups — and agree which actions you will take first.

  4. 4

    Written plan and follow-up

    You receive a documented plan and a scheduled call to answer implementation questions before the next tax-year deadline or payroll cut-off.

Please note: We only proceed where advice is suitable and within our permissions. We do not advise on unregulated speculative schemes, crypto-only strategies, or overseas tax residency without specialist referral.

Ready to discuss your circumstances?

Arrange an introductory call