What Edale Costs
Financial planning and wealth tools — with fees you can see before you commit. No hidden charges and additional services available with known cost but advice on demand through bundled hours and a year to use the time.
Advice, Planning & Tools. One Membership.
Edale is an FCA-regulated wealth management and financial planning service. You pay a flat membership fee for access to your dedicated adviser, all planning tools, and the full Edale portal — not a percentage of your assets.
Advice on Demand Membership
FCA-regulated personal financial advice, all planning tools, tax support and a dedicated adviser — accessed through the Edale portal. Billed as a flat annual fee, not a percentage of your wealth.
Wealth & Financial Planning Tools
Full access to the Edale planning suite — cashflow modelling, risk profiling, financial scorecard, tax support tools and more. All included in your membership, with no extra charges.
Membership Fees
Your Edale membership operates on a simple two-part structure. Pay once to activate, then a flat annual fee each year thereafter.
One-Time Activation
A one-off charge when you join. Covers account setup, your initial onboarding review, and full portal access from day one.
- Edale portal account created
- Initial financial health review
- Cashflow and risk profiling setup
- Full platform access from day one
All prices shown include VAT at 20%.
Advisory Session Credits
One-to-one adviser sessions are purchased as pre-paid credits — separately from membership. Each credit equals one advisory session. Credits are valid for 12 months and can be used at any time while your membership is active.
1 Session
3 Sessions
5 Sessions
10 Sessions
Session credits are purchased inside the portal after joining. Credit prices may change from time to time; our published rates are shown above, but your exact bundle cost is shown at checkout prior to purchase.
Advice Modules for Specific Topics
Some questions need more than a session. Advice modules are self-contained pieces of expert work on a single topic — you build the inputs in the Wealth Hub, we do the fact-finding, analysis and reporting, and you receive a written recommendation that you sign off in a review meeting. Every module is scoped and quoted as a fixed fee before any work starts.
Cashflow Planning into Retirement
A full lifetime plan built from your Wealth Hub data and stress-tested against markets, inflation and longevity, so you can see whether your retirement works — and what changes if it does not.
- Retirement income projection to age 100 with Monte Carlo stress testing
- Target retirement date and target income modelling
- Drawdown, annuity and phased retirement comparison
- Withdrawal sequencing across pensions, ISAs and taxable accounts
- Pension consolidation and contribution strategy review
- Funding retirement from a business or property sale
Estate Planning
A structured look at what happens to your wealth on death — what it is worth, what is exposed, who receives it, and which steps are worth taking now rather than later.
- Inheritance tax exposure assessment and projection
- Lifetime gifting strategy tested for affordability against your cashflow
- Trust and family structure options review
- Pension and life cover death benefit and nomination review
- Wills, powers of attorney and succession document check
- Business or property succession planning
US / UK Cross-Border Planning
For clients with a foot in both systems. We map how your pensions, accounts and residency interact across two tax regimes, and set out what to do about the places where they conflict.
- Cross-border retirement income and residency planning
- UK pension and US IRA / 401(k) treatment review
- Roth conversion modelling and multi-year sequencing
- Required Minimum Distribution (RMD) planning
- Relocation and repatriation financial planning
- Investment structures suitable for dual-reporting clients
Portfolio & Protection Review
An independent second opinion on what you already hold — whether the risk you are taking matches the plan, what it is costing you, and what happens if life goes wrong.
- Existing portfolio review against your risk profile and objectives
- Charges, platform and product cost analysis
- Asset allocation mapped to the Edale 7-Pot Framework
- Concentrated stock and employer share scheme strategy
- Life, critical illness and income protection gap analysis
- Emergency fund and liquidity structuring
How a Module Works
You do the data entry once, in the Wealth Hub. Everything after that is expert work delivered by your adviser.
Wealth Hub Inputs
You complete the relevant Wealth Hub modules — cashflow planner, risk profiler, assets and goals — so the work starts from real, structured data.
Fact-Finding Sessions
One or more sessions with your adviser to test assumptions, fill the gaps and agree the objectives the module is built around.
Report Production
Analysis, modelling and a written report setting out our findings, the options considered and a clear recommendation with the reasoning behind it.
Review & Sign-Off
A review meeting to walk through the report, answer your questions and amend it where needed, before you sign off the final version.
Fixed Fee, Agreed in Advance
Every module is scoped and priced before work begins. You receive the fee, what is included and the delivery timetable in writing, and you approve it before we start — no hourly billing and no open-ended cost. If the scope changes as we go, we agree a revised fixed fee with you first.
Membership Keeps Your Data Working
Modules are available with or without membership. With membership, everything gathered for a module stays live in your Wealth Hub — so the next module, annual review or update starts from work already done rather than a blank page, and at a lower fixed fee.
The services listed are examples of the work covered by each module, not an exhaustive list. Scope and price are confirmed for your circumstances before any work is undertaken. The Financial Conduct Authority does not regulate cashflow planning, estate planning, tax or trust advice.
What’s Included
Every Edale member gets the same full set of tools and services. There are no stripped-back tiers or upsells — your membership fee covers everything listed here.
Cashflow Planner
Full lifetime cashflow modelling to age 100 with Monte Carlo simulation, multiple what-if scenarios, and the Edale 7-Pot Framework for structured asset allocation.
Risk Profiler
FCA-compliant risk and liquidity assessment to identify your true risk tolerance. Produces an investment strategy recommendation and maintains a full amendment log for regulatory audit trails.
Tax Support
Generate professionally formatted HMRC letters for pension contributions, ISA subscriptions, investment authorities, and other documentation. Save or print as PDF.
On-Demand Adviser Access
Book one-to-one sessions with your dedicated Edale adviser using pre-paid session credits. FCA-regulated personal financial advice, available at a time that suits you.
Financial Scorecard
RAG-rated health check across 7 financial dimensions: cashflow, emergency fund, pension, protection, inheritance tax, goals, and diversification. See where you stand at a glance.
FCA-Regulated Advice
Financial; planning and guidance sessions are delivered under FCA authorisation (Ref. 812332). You receive personal, financial support. We can do regulated financial advice for specific topics and if you work links to FCA prescribed rules, additional work and costs may be incurred. The Financial Conduct Authority (FCA) does not regulate cash flow planning, estate planning, tax or trust advice.
Fee FAQs
Ready to Get Started?
Open your Edale account, activate your membership and start building your financial plan. Speak to an adviser first if you have questions.