Services & Fees
Fixed-fee, clearly scoped. You know exactly what you're getting before you commit. No ongoing charges, no AUM percentages, no hidden costs.
Portfolio Health Check
A written analysis of your portfolio's structure, costs, diversification, and risk characteristics.
Delivered as a PDF report (6–10 pages) within 5 working days.
Covers: asset allocation, concentration risk, cost drag, factor exposure, and key observations. Does not include a call or cashflow modelling.
£750
Retirement Readiness Review
Everything in the Portfolio Health Check, plus cashflow modelling showing whether your plan can sustain your retirement income needs.
Includes: sustainable withdrawal rate analysis, sequence-of-returns risk illustration, State Pension timing considerations, and one 45-minute video call to discuss the findings.
PDF report (10–15 pages) within 7 working days.
£1,500
Full Planning Analysis
Our most comprehensive review.
Everything in the Retirement Readiness Review, plus: tax efficiency audit (ISA/GIA/pension balance, CGT position, pension contribution headroom), three scenario models (e.g. early retirement, market downturn, inflation spike), expat-specific considerations where applicable, two 45-minute video calls, and 30-day email Q&A.
PDF report (15–20 pages) within 10 working days.
£2,500
Expat Financial Planning Package
Specialist analysis for UK nationals living abroad.
Covers: UK pension options (SIPP, QROPS considerations — educational overview), State Pension gap analysis and NI top-up cost-benefit, cross-border tax treaty summary, currency risk in retirement income, and UK platform rules for non-residents.
Specific package (£1,500 or £2,500) confirmed on your free scoping call.
From £1,500
Charity & Trustee Governance
Investment governance for small charities and trustee bodies.
Includes: Investment Policy Statement (IPS), Statement of Investment Principles (SIP), reserves policy, trustee education session (2 hours), and investment manager selection process design.
Ongoing governance retainer available from £1,500/yr. Scoped individually on a free call.
£4,500 - £7,500
Annual Portfolio Check-in
An annual update to your prior review for existing clients — portfolio drift, cashflow changes, new tax year considerations.
Keeps your analysis current without the cost of a full new engagement.
£500
A note on what we do and don't provide
The services above are analytical and educational — they are not regulated financial advice under the Financial Services and Markets Act 2000 (FSMA). We do not recommend specific investment products, execute transactions, or manage assets on your behalf.
Where your situation requires regulated advice — a pension transfer, a specific fund recommendation, or a suitability report — we will tell you clearly and can refer you to appropriately authorised specialists.
Our independence from product sales and ongoing AUM fees means our analysis is genuinely objective. We are paid by you, not by any product provider.
Not sure which service fits?
Book a free 30-minute scoping call. We'll confirm the right package for your situation.
+44 744 139 3154
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Expat Adviser provides independent financial analysis and educational commentary. We are not authorised by the Financial Conduct Authority (FCA) to provide regulated investment advice. Nothing on this website or in our reports constitutes regulated financial advice under FSMA 2000. Where regulated advice is required, we will refer you to appropriately authorised specialists.