Services & Fees
Every package below is fixed-fee, agreed and published upfront. There are no commissions, no assets-under-management charges, and no requirement to continue working with us afterwards. You’ll know the exact cost before you book: never an estimate that grows once we’ve started.
£595
Best for: You run your own portfolio and want an independent second opinion.
Most popular
£1,500
Best for: You are within about ten years of retirement and want to know if your plan holds up.
£2,500
Best for: You have several pensions, ISA and GIA pots, or property, and want the full tax picture and scenarios.
Suits people with several pots and property
A complexity supplement applies for larger cases: £150 for each pension or investment account beyond six, and £250 for a second property.
Book this review£500
Best for: You have already had a review with us and want to keep it current.
£4,500 – £7,500
Best for: You are a trustee or run a small charity and need documented investment governance.
Prices shown are the full fee. No VAT is charged.
Not sure which fits? A short initial call is free. We’ll help you pick the right package before anything is booked or paid for.
Most reviews fit neatly into the fixed fees above. If your situation involves multiple overseas pensions, several trust structures, or holdings spread across a number of jurisdictions, we’ll scope the extra complexity on your free initial call and agree a fixed fee for it in writing, confirmed before any work begins, never billed by the hour and never a percentage of what you hold.
Our fee is the only fee we ever receive: no commission, no product fees, no share of what you hold, on anything. As part of every review, we’ll also show you what your existing platform, adviser, or funds are actually costing you each year, in pounds, even though we don’t arrange, hold, or manage any of it ourselves. Nothing we say about your existing costs is coloured by an incentive to change them.
Regulated financial planners typically charge £1,500 to £5,000 for a one-off plan that includes a personal recommendation and help putting it in place. Future Financial’s fees are lower because we give independent analysis and modelling only, with no recommendation and nothing to implement.
| Service | Typical price | What it includes |
|---|---|---|
| Portfolio review only | £480 to £950 | Independent analysis of your existing holdings. No cashflow modelling and no personal recommendation. |
| Analysis plus cashflow modelling | £500 to £1,250 | Portfolio analysis plus a cashflow model of your likely retirement income. No personal recommendation. |
| Regulated one-off financial plan | £1,500 to £5,000 | A personal recommendation and help putting it in place, from an FCA-authorised adviser. |
Typical published UK fees, September 2026. Sources: MoneyHelper’s guide to financial adviser fees and Unbiased’s cost of advice guide.
Future Financial is not authorised or regulated by the FCA, and nothing we provide is a personal recommendation under FSMA 2000. Our services are analysis, modelling, and education to help you understand your own position. Where you need regulated advice, for example a specific personal recommendation to buy, sell, or transact, we will refer you to an appropriately authorised specialist.