MARLEDGE Financial Planning Book the first meeting

The first meeting, run as the plan

Time in the market, set in type.

Independent, flat-fee financial planning. Seven percent doubles every decade — we make sure you are there for the doubling.

Book the first meeting

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

A young professional at the start of a career, planning the first home

The plan is a timeline.

A pound invested at 7% is worth 1.967× as much a decade later — it doubles about every 10 years (Rule of 72). Start at 35 and the same £250 a month compounds decade on decade, while a pound left in cash loses ground to inflation.

  1. Year 0 · age 35 £250 £250 in cash
  2. Year 10 · age 45 £492 £186 in cash
  3. Year 20 · age 55 £967 £138 in cash
  4. Year 30 · age 65 £1,903 £103 in cash

The same £250 a month, invested from 35, grows to £1,903 a pound by 65 at 7% — while a pound left in cash loses ground in real terms. Closing that gap is the whole job.

What we help with, decade by decade.

A young professional at the start of a career, planning the first home
Year 0 · age 35 — Getting started

First home & getting started

Starting out: a deposit, a first pension, the habit of paying yourself first — the sums with the most decades left to double.

What this decade needs →
A family at home during the middle earning years
Year 10 · age 45 — The family years

Family & protection

The family years: protection, school and mortgage overlap, and the pension you started at 35 quietly becoming real money.

What this decade needs →
A person in their fifties reviewing consolidated pensions
Year 20 · age 55 — The peak earning decade

Pension consolidation

Peak earning: consolidate scattered pensions, use every allowance, and let the pot do the compounding it was always going to do.

What this decade needs →
A retired couple enjoying the years the plan was built for
Year 30 · age 65 — At the doubling

Retirement & drawdown

At the doubling: thirty years of growth become an income you cannot outlive, drawn down on a plan.

What this decade needs →

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