Our Services
Clear pricing, comprehensive guidance
We offer two primary service models: one-time consultations for specific questions, and ongoing management for comprehensive financial guidance. Choose the approach that fits your needs.
Financial Planning Consultation
Ideal for specific questions or one-time planning needs. We review your situation, provide written recommendations, and answer questions thoroughly. Most clients need 2-3 hours for comprehensive guidance.
This service works well if you're comfortable implementing recommendations yourself or want a second opinion on existing plans.
What's Included
- Detailed review of your current financial position
- Specific recommendations aligned with your goals
- Written summary of discussion and action points
- Follow-up email support for clarification questions
Retirement Planning Service
Comprehensive retirement analysis including pension consolidation review, income projections, and tax-efficient drawdown strategies. Particularly valuable for those within 10 years of retirement.
What's Included
- Complete pension audit and consolidation assessment
- Retirement income modelling under various scenarios
- Tax-efficient withdrawal strategy
- State pension optimisation guidance
- Comprehensive written retirement plan
- Two follow-up sessions within 12 months
Investment Portfolio Management
Ongoing management of investment portfolios of £50,000 or more. We handle portfolio construction, regular rebalancing, and continuous monitoring while keeping you informed of performance and changes.
Fee is calculated on assets under management and charged quarterly. Minimum portfolio size £50,000.
What's Included
- Initial portfolio construction aligned with your risk profile
- Quarterly rebalancing and performance review
- Tax-loss harvesting where applicable
- Annual ISA and pension contribution planning
- Bi-annual progress meetings
- Unlimited email and phone support
- Annual comprehensive financial review
Comprehensive Wealth Management
Our most complete service, combining investment management with holistic financial planning. Suitable for portfolios of £100,000 or more where you want proactive guidance across all financial areas.
What's Included
- Everything in Investment Portfolio Management
- Quarterly financial planning reviews
- Tax planning and optimisation strategies
- Estate planning coordination
- Insurance needs analysis
- Major purchase or life event planning
- Priority scheduling and direct advisor access
Debt Management Planning
Structured approach to reducing debt efficiently while building financial stability. We analyse your complete situation and create a realistic repayment plan that balances debt reduction with maintaining quality of life.
What's Included
- Complete debt and income analysis
- Prioritised repayment strategy
- Budget restructuring recommendations
- Emergency fund building plan
- Credit score improvement guidance
- Three follow-up sessions over six months
Financial Foundations for Young Professionals
Designed for those early in their career who want to establish strong financial habits. Covers budgeting, pension optimisation, emergency fund creation, and first-time home purchase planning.
What's Included
- Personalised budget and savings plan
- Workplace pension optimisation
- Emergency fund strategy
- First-time buyer mortgage guidance
- Student loan repayment optimisation
- Written financial action plan
Choosing the Right Service
One-Time Consultations
Best for: Specific questions, second opinions, or those comfortable managing their own finances with occasional professional input.
Time commitment: Minimal ongoing relationship
Cost structure: Pay per session
Ongoing Management
Best for: Those who want continuous guidance, have complex financial situations, or prefer not to manage investments themselves.
Time commitment: Regular reviews and communication
Cost structure: Annual fee based on assets
Not sure which fits your situation? Contact us for a no-obligation discussion about your needs.
What You Can Expect
Transparent Pricing
All fees are agreed upfront. No hidden charges, no commission-based recommendations, no surprise bills.
Written Guidance
Every service includes comprehensive written documentation so you have a permanent record of recommendations and reasoning.
Plain Language
No jargon-filled reports. We explain concepts clearly and ensure you understand before proceeding.
Flexible Meetings
Choose between in-person sessions at our Liverpool office or video consultations from anywhere in the UK.
Independent Advice
We're not tied to specific product providers. Recommendations are based solely on what serves your interests.
Regulatory Protection
FCA authorisation ensures professional standards, complaint procedures, and compensation scheme protection.
How We Work Together
Initial Contact
Reach out via email or our contact page. We'll arrange a brief phone conversation to understand your needs and confirm we're the right fit.
Information Gathering
We'll send a simple questionnaire about your financial situation. You can complete this at your own pace before our first meeting.
First Meeting
A detailed discussion about your circumstances, goals, and concerns. This usually lasts 60-90 minutes and can be in person or via video.
Analysis & Recommendations
We analyse the information and prepare specific recommendations tailored to your situation.
Presentation Meeting
We walk through our recommendations, explain the reasoning, and answer all your questions.
Implementation
For one-time services, you receive written guidance to implement yourself. For ongoing clients, we handle implementation and monitoring.
Service Questions
Absolutely. Many clients start with a consultation to address immediate needs, then transition to ongoing management as their financial situation grows more complex. There's no obligation either way.
Our hourly consultation service is available regardless of asset level. We can provide guidance on building your investment portfolio, and you're welcome to return for ongoing management once you reach the minimum threshold.
No. The preliminary conversation is a brief, no-obligation discussion to understand if we can help and whether our services suit your needs. There's no charge for this initial contact.
Yes. Ongoing services can be terminated with 30 days notice. We'll provide assistance with transitioning your portfolio and ensure all documentation is transferred smoothly.
Our fees are the only charges from Spectra Glide. However, investment platforms and fund managers have their own charges, typically 0.10% to 0.35% annually. We always disclose these and factor them into our recommendations.
For percentage-based fees, the amount adjusts with your portfolio value. If your assets fall below service minimums, we'll discuss options including transitioning to consultation-based services.
Ready to Discuss Your Needs?
Contact us to arrange a no-obligation conversation about which service suits your situation.
Get in Touch