The complimentary financial health check
An adviser spends about an hour with you by phone or video, and you get a written summary of your pensions, savings, investments, mortgage and cover.
An adviser spends about an hour with you by phone or video, and you get a written summary of your pensions, savings, investments, mortgage and cover.
The health check is about an hour on the phone or video, and you get a written summary of your pensions, savings, investments, mortgage and cover.
We list what you already hold, work out what each part is doing, and tell you what is missing.
The health check is at no cost to you. If anything needs doing afterwards, you get the recommendation and the cost in pounds before you decide.
We add up what you have, project what it is likely to produce and compare that with the life you say you want, so you can see the gap in either direction.
We look at what you hold, what it costs you in charges, and whether the risk you are taking is the risk you meant to take.
Life cover, critical illness and income protection: what you have, what it would pay, and whether it is written in trust so it can reach the right person quickly.
We check whether a better product exists and what switching would save you.
56% of UK adults do not have one, on the Money and Pensions Service's count. We check whether yours predates a marriage, a divorce, a child or a house move.
We check your ISA allowance, pension annual allowance, gifting exemptions and the marriage allowance. Some of them are lost if they are not used by the end of the tax year.
Email or message us and we will agree a time that suits you, and tell you what to have to hand.
The review takes about an hour. We work through what you have, what it is doing and what is missing.
We send you a written summary of what you hold and what we suggest.
Whatever you can find: pension statements, ISA and investment valuations, your mortgage offer or latest statement, any life or critical illness policies, and a rough idea of income and outgoings. If some of it is missing, we can trace most of it.
The health check is at no cost to you. If anything needs doing afterwards we will set out the recommendation and the cost in pounds, and you are free to say no.
Around an hour, sometimes split across two shorter calls.
No. Most of this is done by phone or video, wherever you are in the UK.
Your number depends on what your retirement will cost. The full answer.
Advice is paid for by an agreed fee, by commission, or as a percentage of the amount invested. The full answer.
Whether your pensions will cover the retirement you want, and by how much they miss.
Work it out →Eight questions on retirement, protection, savings, your mortgage, your estate and your day-to-day money give a first score. The other 17 complete the written report.
Start →Tell us roughly when suits and what is on your mind. We will come back with a time and a short list of what to have to hand.