What annual-review paraplanning includes.
A clear review scope supports ongoing-service delivery without treating a replacement, transfer or new planning exercise as routine.
For UK adviser firms · Reviewed 12 August 2026 · By Steven Calvert
Direct answer
The Compliant annual-review / existing-client-review fee is £155. It covers an agreed ongoing-service report using a complete, current case pack and the firm’s template, within the existing planning context. A replacement, transfer, new product, materially changed objective or broader retirement-income exercise is scoped separately.
Typical work inside the review scope
- Checking supplied facts, objectives and changes since the previous review
- Recording current valuations, contributions, withdrawals and agreed performance context
- Reviewing the supplied risk and capacity-for-loss evidence
- Checking relevant allowances, beneficiary details or income needs supplied for the case
- Drafting the agreed ongoing-suitability or review report in the firm’s template
- Making assumptions, gaps and adviser decisions visible for final review
What normally requires re-scoping
- A fund switch or rebalance, top-up or new investment
- A new product, wrapper, provider, transfer or replacement recommendation
- A DC pension transfer or consolidation
- A materially different withdrawal or retirement-income strategy
- New cashflow modelling, broad product research or complex tax analysis
- Materially changed objectives, vulnerability, risk position or client circumstances
Minimum case pack
Provide the current fact-find or review questionnaire, objectives and material changes, risk and capacity evidence, existing-plan data, relevant tax and income information, the adviser’s intended direction, the firm’s current template and any compliance requirements. State what is outstanding and who owns it.
The firm’s responsibility remains unchanged
The engaging firm retains the client relationship, ongoing-service obligation, regulated assessment, recommendation, supervision, final suitability conclusion and sign-off. Compliant supplies business-to-business technical support under the accepted instruction.
Commercial boundary: the £155 fee applies when the work fits the published annual-review assumptions. Compliant confirms scope and price before the case enters production. The five-working-day standard target starts from Case Ready, and one reasonable revision within scope is included.
Related guidance
- Full paraplanning case-pack checklist
- Current Compliant fee schedule
- How to compare outsourced paraplanning costs
This is a Compliant scoping guide, not a universal compliance checklist or a conclusion about any client’s ongoing suitability.