Outsourced paraplanning costs in the UK.
The invoice matters, but so do adviser review time, avoidable rework and delivery reliability. The real comparison is how much useful work the service removes.
For UK adviser firms · Reviewed 30 August 2026 · By Steven Calvert
Current Compliant fees at a glance
Routine base fees range from £140 for a fund switch or rebalance to £420 for drawdown involving a transfer or consolidation, including one ceding pension. Each additional ceding pension adds £50 to the applicable pension base fee. Annual reviews are £155. Protection case support is £225 under the published standard-case assumptions. Technical or bespoke work is £95 per hour. An accepted overnight rush request adds 30% of the case fee, subject to a £60 minimum. Every case is accepted only after scope, fee, timing and Case Ready status are confirmed.
| Case type | Fee |
|---|---|
| Annual review / existing client review | £155 |
| Fund switch / rebalance | £140 |
| Top-up / additional investment | £170 |
| New ISA / GIA / investment case | £225 |
| Protection case support | £225 |
| New pension | £250 |
| ISA / GIA / platform replacement | £310 |
| DC pension switch / consolidation Includes one ceding pension. |
£360 |
| Each additional ceding pension On top of the applicable base fee. |
£50 |
| Withdrawal / UFPLS | £280 |
| Drawdown on existing pension (no transfer) | £370 |
| Drawdown involving a transfer / consolidation Includes one ceding pension. |
£420 |
| Annuity / OMO case | £280 |
| Standalone cashflow modelling | £195 |
| Cashflow add-on to another case | £85 |
| Technical / bespoke work | £95 per hour |
| Overnight rush add-on | +30% of case fee (minimum £60) |
The £420 fee covers both the transfer / consolidation and drawdown; the £360 consolidation fee is not charged as well.
Example: Three pensions consolidated with drawdown cost £520 (£420 + £50 for each of the two additional pensions).
Work outside the standard scope is quoted separately and agreed before it starts.
The overnight rush add-on applies only to suitable Case Ready work accepted in advance for return by the start of the next UK working day. Capacity, the agreed UK close-of-business cut-off, case eligibility, fee and secure-access arrangements are confirmed in writing.
The £225 protection fee covers the published standard personal-protection assumptions. Multiple needs or recommendations, business protection, trust-related work, or material medical or underwriting complexity are scoped separately.
There is no retainer and no minimum monthly volume. Defined benefit and safeguarded-benefit work is not offered.
What changes the total cost?
- Number of wrappers, plans, providers and planning objectives
- Quality and consistency of the case pack
- Research, cashflow or technical calculations required
- Firm-specific template, panel and compliance requirements
- External dependencies and material changes after acceptance
- Whether the work is a review of the existing strategy or a new recommendation
What the published fee includes
The fee includes case triage, agreed scope, a five-working-day standard turnaround from explicit Case Ready confirmation, and one reasonable consolidated revision within the original scope. Material scope changes may be separately charged. Invoices are issued on final delivery with 14-day payment terms.
Compare total cost, not only the invoice
A lower fee is not better value if the adviser must reconstruct the logic, correct avoidable errors, rewrite the document into the firm’s voice or chase the delivery date. Compare the supplier’s fee alongside adviser review time, clarification loops, missed deadlines and the amount of work actually removed from the firm.
VAT: Any applicable VAT will be confirmed clearly on the quote and invoice.
Related guidance
- Full pricing, assumptions and exclusions
- Outsourced versus employed paraplanning calculator
- What an annual-review scope includes
Published fees are Compliant prices, not market averages.