{"id":837,"date":"2026-07-28T14:19:17","date_gmt":"2026-07-28T14:19:17","guid":{"rendered":"https:\/\/lite.buildprosites.com\/sableford\/services\/"},"modified":"2026-09-19T11:49:59","modified_gmt":"2026-09-19T11:49:59","slug":"services","status":"publish","type":"page","link":"https:\/\/lite.buildprosites.com\/sableford\/services\/","title":{"rendered":"Services"},"content":{"rendered":"\t\t
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\n\t\t\t\t\tServices and fees<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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What we do, and exactly what it costs.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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Every figure below is a real published fee, in dollars including GST. This is general advice only and does not take into account your personal objectives, financial situation or needs. Investments can fall as well as rise and you may get back less than you put in.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tBook a first meeting<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t
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\n\t\t\t\t\tIn detail<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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The three pieces of work we are asked for most<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Most clients start with one and add the others over time.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Retirement cashflow planning<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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We model what you can sustainably spend, year by year, against realistic assumptions and several worse ones. It answers the question people actually have, which is not ‘what should I invest in’ but ‘am I going to be all right’. The modelling is yours to keep either way.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Pension review and consolidation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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We find what you have, including the ones you have forgotten, and check each for guarantees, protected ages and exit penalties before anything is moved. Quite often the recommendation is to leave a scheme exactly where it is, because the guarantee attached to it is worth more than the tidiness.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Later-life and estate planning<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Care costs, inheritance tax, gifting and powers of attorney, usually with the next generation in the room if everyone is willing. This is slow, human work and it is where families most often tell us the money was well spent.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\tAlso available<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Four smaller pieces of work<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Fixed fee, no ongoing commitment, useful on their own.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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A second opinion<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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We review the advice you have been given elsewhere and tell you what we would question. We do not need to take you on to do it.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Protection review<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Life cover, income protection and critical illness — usually about cancelling what you do not need as much as adding what you do.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Tax-efficient saving<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Making proper use of allowances across a couple. Unglamorous and reliably worth more than most fund choices.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Annual reviews<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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For ongoing clients: a yearly rework of the plan against what actually happened, plus any changes to your circumstances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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\n\t\t\t\t\tFees<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Three ways to work with us<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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All fees include GST and are payable directly, never taken as commission from a product.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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First meeting<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Up to an hour, in person or on video. Questions only, no recommendations and no obligation to go further.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\tno charge<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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A written plan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Full fact-find, cashflow modelling and a written report you own outright and may take anywhere.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t$3,300 – $5,500<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Ongoing planning<\/h3>\t\t\t\t<\/div>\n\t\t\t\t
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Annual review, rebalancing, and access to us through the year. A flat figure, agreed each year, not a percentage of your portfolio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\tfrom $4,400\/yr<\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t
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\n\t\t\t\t\tCommon questions<\/span>\t\t\t\t<\/div>\n\t\t\t\t
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Asked before the first meeting<\/h2>\t\t\t\t<\/div>\n\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat does independent actually mean?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

That we can recommend from the whole of the relevant market rather than a restricted panel, and that no provider pays us. It is a specific regulated term rather than a marketing word, and you are entitled to ask any adviser to confirm their status in writing.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tDo I need a big portfolio to be worth your time?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

No, but be aware that a flat fee is poor value on a small pot — which is exactly why we say so up front. If a one-off piece of work serves you better than ongoing advice, we will recommend that instead.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan you guarantee my money will grow?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

No. Investments can fall as well as rise and you may get back less than you put in. Anyone who tells you otherwise should be avoided. What planning does is make the range of outcomes visible so you can decide how much uncertainty you are willing to carry.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat happens to my plan if something happens to you?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

We have a formal continuity arrangement with another independent firm, named in your client agreement, and your records are held so that a successor could pick them up. It is an unglamorous question and a very sensible one.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I take the plan and do it myself?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t

Yes. The written plan is yours, it is written to be actionable without us, and a number of clients implement it themselves. We would rather that than sell you an ongoing service you do not need.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t

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Start with the free hour. Decide everything else afterwards.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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No advice is given in it, nothing is recommended, and there is no follow-up call unless you ask for one.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t

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\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tBook a first meeting<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tRead our approach<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Services and fees What we do, and exactly what it costs. Every figure below is a real published fee, in […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-837","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/837","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/comments?post=837"}],"version-history":[{"count":8,"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/837\/revisions"}],"predecessor-version":[{"id":1038,"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/pages\/837\/revisions\/1038"}],"wp:attachment":[{"href":"https:\/\/lite.buildprosites.com\/sableford\/wp-json\/wp\/v2\/media?parent=837"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}