The first meeting, run as the plan

Time in the market, set in type.

£250 a month, invested at 35

£250 the same £250, thirty years in — 7.6× the size, 7.6× the money

Seven percent doubles every decade. We make sure you are there for the doubling.

Flat fee — £1,200 a year. No percentage of your pot.

A young professional at the start of a career, planning the first home — Year 0. The plate is nearly grey — the colour compounds with the pot.

The plan is a timeline.

A pound invested at 7% is worth 1.967× as much a decade later — the doubling time is about 10 years (Rule of 72). That decade growth factor, 1.967, sets the size of every figure below. Each pound is set at the size it has grown to. There is no chart. The type is the chart.

Year 0 age 35 — Getting started

First home & getting started

Invested £250

If left in cash £250

The first decade is about starting: a deposit, a first pension, the habit of paying yourself first. Small sums, but the ones with the most decades left to double.

What this decade needs →

Year 10 age 45 — The family years

Family & protection

Invested £492

If left in cash £186

Family changes the plan: protection, school and mortgage overlap, and the pension you started at 35 has quietly become real money.

What this decade needs →

A family at home during the middle earning years

Year 20 age 55 — The peak earning decade

Pension consolidation

Invested £967

If left in cash £138

Peak earning is the decade to consolidate scattered pensions, use every allowance, and let the pot — now large — do the compounding it was always going to do.

What this decade needs →

A person in their fifties reviewing consolidated pensions

Year 30 age 65 — At the doubling

Retirement & drawdown

Invested £1,903

If left in cash £103

At retirement the pot is the sum of thirty years of doublings. Drawdown turns it into an income you cannot outlive.

What this decade needs →

A retired couple enjoying the years the plan was built for

The same £250, left in cash.

The identical law, sign flipped. Inflation erodes a cash pound by the same exponential — it halves in real terms about every 23 years. So the figure does not grow; it shrinks, decade on decade, until it is hard to read. Nothing here is animated to trick you — the sizes are the arithmetic.

Yr 0 £250

Yr 10 £186

Yr 20 £138

Yr 30 £103

A jar of coins — the cash pound, its colour drained toward grey by the reversed law — The cash plate runs the treatment in reverse — drained toward grey while the pot's plates gain colour.

What a percentage fee costs, in type.

Run the identical law one point lower — 1.967× a decade becomes 1.791× — and by year 30 the gap is plain. A 1% annual fee is not 1% of your money; it is a slower growth factor, compounded thirty times.

At 7% — flat fee £1,903

At 6% — after a 1% fee £1,436

The 1% costs this client £467 of every £250 started — the visible gap above.

Our fee is flat, and set here at the size of a single year — because it does not scale with the pot. £1,200 / year

See exactly what the fee covers →

How the first meeting runs.

An hour, no charge, no sales pitch. We map your timeline — the one this page is a picture of — and tell you plainly whether you need us. Marledge is independent and paid a flat fee, so our advice is not moved by the size of your pot or the products you hold.

Independent — whole-of-market, no tied products, no commission.
Chartered — a Chartered Financial Planner leads every plan.
Fiduciary — we are required to act in your interest, in writing.
Flat fee — £1,200 a year, whether your pot is £1,903 or ten times that.

The retirement the plan is built for — the plate at full colour, year 30 — Year 30, at full colour. The plate reaches its chroma the way the pot reaches its size.

Book the first meeting.

The doubling has already started for someone your age. The only question is whether you are in it.

Book the first meeting

Flat fee £1,200 a year · 020 7946 0198