02 · Services

Six services, each with a stated scope

Every fee below applies to the scope printed beside it. A fee marked from is a starting figure for the simplest form of that service and is confirmed in writing before any work begins. No fee is a percentage of assets, and nothing on this page adds an item to a cart or holds an appointment.

A man writing notes on a printed page at a wooden desk, a brown leather case beside his hand. — Notes taken by hand at a first meeting. Every fee on this page is measured against a scope written down like this.

All six services

S-01

Financial planning review

from $1,800

A complete written plan built from two ninety-minute meetings, covering cash flow, savings, existing investments, insurance cover and the goals the household names. The published fee applies to one household with up to six accounts. A situation involving a business interest or several properties is re-quoted in writing before the work starts.

Best for a household that wants one written plan covering everything it holds.

Usual timing the plan within three to four weeks of the second meeting.

Included

Two ninety-minute meetings, in person or by video call
A written plan stating every assumption, with a range of outcomes rather than a single forecast

Not included managing or trading accounts, selling products and drafting legal documents, none of which the firm provides.

S-02

Portfolio review

$950

A ninety-minute review of the investments a client already holds, covering how they are spread across asset types, what each holding costs each year and how much short-term movement the mix has shown in the past. The fee assumes up to eight accounts at any providers. Past movement is described as history, not as a guide to what comes next, and the written report says so on its first page.

Best for someone with investments in several places who wants them read as one portfolio.

Usual timing ninety minutes, with the written report within ten working days.

Included

A consolidated view of every account submitted
The yearly cost of each holding, in dollars as well as percentages
A written note of where the mix differs from the client's stated goals
One follow-up conversation after the report is delivered

Not included buying or selling on the client's behalf, and any recommendation of a product that pays the firm a commission. The firm accepts none.

S-03

Retirement income plan

from $2,400

A plan for turning savings, pensions and Social Security into income, tested against several market and inflation scenarios. The published fee covers one person or one couple with a single pension decision. It shows a range of spending under each scenario and states plainly that no scenario is a prediction.

Best for anyone within about ten years of stopping work.

Usual timing four to six weeks from the complete set of statements.

Included

Income modelled under several scenarios, including weak early markets
A written comparison of Social Security and pension timing options

Not included annuity or insurance sales, and any assurance that a spending level will last.

Five stacks of silver coins of increasing height standing in a row on a white surface. — Stacks of coins in rising order. The three services above all begin from what a household already holds, because a plan is only as sound as the figures it starts from.

S-04

Ongoing planning relationship

from $325 a month

A continuing arrangement with four meetings a year, an updated plan each spring and email access to the named adviser between meetings. The published fee applies to a household that has completed a planning review. It rises with complexity, never with the value of the accounts, and it is reviewed once a year in writing.

Best for a household that wants its plan kept current rather than rebuilt every few years.

Usual timing quarterly meetings of about an hour, with written notes inside two working days.

Included

Four meetings a year, in person or by video call
An annual plan update and portfolio check
Replies to email questions within two working days

Not included the first financial planning review, which carries its own fee, and custody or trading of any account.

S-05

Estate and beneficiary coordination

$1,200

A check of every beneficiary designation, account title and insurance policy against the client's existing will or trust, carried out alongside the client's own attorney. The firm prepares the inventory and the questions; the attorney advises and drafts. The fee covers one household and one round of corrections.

Best for a household after a marriage, a death, a divorce or a new grandchild.

Usual timing about three weeks from the first conversation.

Included

A written inventory of accounts, policies and named beneficiaries
A list of mismatches against the will or trust
One joint call with the client's attorney

Not included legal advice and legal documents, which only the client's attorney provides, and the attorney's own fees.

S-06

Second-opinion session

$425

One seventy-five-minute session on a single piece of advice the client has already been given elsewhere: a pension election, an annuity offer, a change of adviser or a large purchase. The session sets out the options and their trade-offs in writing rather than one recommendation, because the right choice turns on facts that cannot be verified inside an hour.

Best for a visitor weighing one specific decision before it is signed.

Usual timing seventy-five minutes, usually within a week of asking.

Included

Seventy-five minutes on one named decision
The options set out in writing with the trade-offs beside each
The figures each option turns on, given as ranges where an exact number is not knowable

Not included ongoing advice, and no outcome is promised. The session sets out choices; it does not guarantee a result.

Review cycle

The points in a planning year the services are built around

Week 1Discovery meeting: goals, the accounts held and the questions the plan has to answer.
Week 3Second meeting: the draft plan, the assumptions behind it and the range of outcomes.
Qtr 1First quarterly check: cash flow against the plan, and any change in circumstances.
Qtr 2Portfolio and cost review, with a written note of anything that has drifted from the stated goals.
Qtr 3Beneficiary designations and key documents checked against the current will or trust.
Year 1Annual review: the plan updated and its assumptions restated for the year ahead.

The full cycle applies to the ongoing planning relationship; a one-off planning review uses only the first two rows. A fall in the markets does not move a meeting forward on its own, but a change in the client's circumstances can.

Reading the cycle

Three of the six services follow this cycle and three do not. The financial planning review occupies the first two rows, the ongoing planning relationship runs through all six, and estate and beneficiary coordination sits beside the third-quarter row. The portfolio review, the retirement income plan and the second-opinion session run to their own timetable.

A row on this list is a point in the planning year, not an appointment. Nothing on this page holds a place in a diary.

Side by side

The same six, compared on four points

The figures repeat what each record above already states. Nothing new is introduced here, and a starting fee still applies only to the scope printed with the service.

The six services compared by starting fee, usual timing and first step
Service	Starting fee	Usual timing	First step
S-01 Financial planning review	from $1,800	3–4 weeks	List the accounts held
S-02 Portfolio review	$950	90 minutes, report in 10 working days	Send recent statements
S-03 Retirement income plan	from $2,400	4–6 weeks	Name the target date
S-04 Ongoing planning relationship	from $325 a month	Quarterly meetings	Complete a planning review
S-05 Estate and beneficiary coordination	$1,200	about 3 weeks	Name the attorney
S-06 Second-opinion session	$425	75 minutes, within a week	Name the one decision

03 · Process

How contact works

01

Send the form or write

Name the service and the one question that matters most. The form asks for a name, an email address, an optional telephone number, the service, the kind of client and a message of at least twenty characters.

02

Receive a written reply

A reply arrives by email or telephone during office hours, Monday to Friday between 9:00 AM and 6:00 PM. It states what the firm can do, which statements it would need and what it would cost.

03

Agree the scope, then start

Work begins only after the scope and the fee are agreed in writing. A published fee applies to its stated scope; anything beyond it is quoted before it starts.

04 · Suitability

If two services look equally suitable

Suitability depends on the client's own circumstances and on the scope printed beside each service, so the description alone cannot settle every case. When two options read the same way, the contact form is the shorter route: name both, describe the situation in a sentence or two, and the firm will say which scope fits and what it would cost.

That answer is about which service fits the question. It is not a recommendation to buy, sell or hold any investment, which can only follow once a scope has been agreed and the full facts are known.

Also useful

Eight questions answered
Who concentrates on what
How the firm works

05 · Contact

Ask about one of the six

Name the service and the firm will confirm the scope and the fee in writing before anything begins.

Book Send an enquiry

Or write to hello@larkfieldwealth.example and the firm replies Monday to Friday, 9:00 AM to 6:00 PM.