Elm & Reed

Advice

UK financial advice shaped around real decisions

Each offering below is a defined consultation with a written outcome. Fees are fixed or quoted before work begins; we do not sell products in these meetings.

Advisor reviewing financial documents with a client at a desk
Flagship

Personal Financial Planning Review

A structured review of income, spending, pensions, and protection so you leave with a written plan you can act on.

From £450 · fixed fee for a standard household review

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Notebook and calculator used for retirement income planning
One deep-dive session plus written summary

Retirement Income Mapping

Model how State Pension, workplace pots, and private savings could fund the years ahead—before you stop working.

From £380 · starting fee; complexity may increase the fee

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Business owner reviewing papers in a bright office
Two sessions over 2–3 weeks

Business Owner Cash Flow Advice

Separate personal wealth from company money with practical guidance on drawings, reserves, and pension contributions.

From £520 · fixed fee for sole traders and small limited companies

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Couple discussing household protection documents
Single session with written findings

Protection Needs Assessment

Check whether life cover, critical illness, and income protection match your dependents and mortgage commitments.

From £220 · fixed fee for a standard household assessment

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