Transparent Financial Services & Fixed-Fee Pricing
We reject the opaque percentage fee models common in traditional wealth management. At Money Honey, you choose the level of engagement that fits your exact needs—from a £40 fixed-fee guidance call to unbundled, modular regulated Chartered advice where you only pay for the stages you use.
Complimentary Exploratory Consultations
All our introductory consultations are 100% free, held via secure Microsoft Teams video conference, and conducted directly by qualified financial planning professionals.
Initial Consultation
FreeA relaxed exploratory conversation to understand your circumstances, discuss your short and long-term financial goals, review existing pensions or investments, and determine whether our services are the right mutual fit.
Ethical Investing Consultation
FreeA dedicated values-alignment session to explore how your savings and pensions can support environmental sustainability and social impact without compromising long-term financial returns.
Estate Planning Consultation
FreeStrategic review covering wills, Lasting Powers of Attorney (LPAs), Inheritance Tax (IHT) mitigation, regular gifting from surplus income, and protecting family assets against intestacy delays.
Initial Expat Consultation
FreeTailored for British expatriates and international clients living outside the UK. Covers cross-border tax considerations, frozen UK pensions, currency risks, and managing UK assets remotely.
Technology Session & PFP
FreeComplimentary "Let's Get Started" onboarding assistance with Rod Reed. We guide you step-by-step through setting up Microsoft Teams for meetings and navigating your secure Personal Financial Portal.
Guidance Consultation
£40 FixedImpartial sounding board with the Chartered Planner to ask anything you wish and understand your options. Fee is 100% refunded if you subsequently engage us for Full Advice.
Detailed Breakdown of Service Tiers
Whether you want self-directed simplicity or holistic wealth management, our tiered structure ensures complete transparency.
The Guidance Service (£40)
We recognize that many clients have done extensive research online, know what they want to achieve, but need independent reassurance before committing.
For £40, you spend 20 minutes on a 1-on-1 video call with our Chartered Planner. You can review your retirement ideas, ask questions regarding tax allowances or ISA strategies, and gain complete clarity on what pathways exist.
- ✓ 100% Reimbursed: If you subsequently choose our Full Regulated Advice service, your £40 fee is credited back in full.
- ✓ No Long-Term Tie-in: Purely transactional; no ongoing charges or hidden platform levies.
- ✓ Impartial: Objective discussion without pushy sales pressure.
Guidance vs Regulated Advice
Guidance explains what you can do; regulated advice tells you what you should do based on an in-depth risk analysis.
Self-Service Digital Investing (From £100/mo)
Ideal for individuals at the beginning of their wealth-building journey who want high-quality investments without paying the fees associated with bespoke holistic planning.
Invest into low-cost, institutional-grade passive funds tracking the world's leading equity and bond markets. Because passive index trackers avoid expensive star fund manager fees, ongoing costs are kept exceptionally low.
- ✓ Accessible Minimums: Start from £100 per month or a one-off lump sum.
- ✓ Tax Wrappers: Available within Stocks & Shares ISAs and General Investment Accounts (GIAs).
- ✓ Personal Financial Portal: Real-time valuation dashboard accessible from any mobile or desktop device.
Why Low Costs Matter
Saving just 1% in ongoing fund and adviser fees every year can boost your terminal pension pot by tens of thousands of pounds over a 25-year compounding period.
Full Regulated Advice (Modular Schedule)
Our premier service providing comprehensive, legally protected Chartered financial planning. Unlike most advisers who force you into expensive lifetime percentages, our advice process is unbundled into modular milestones:
- 1 Stage 1: Situation Analysis & Shortfall Modeling: In-depth audit of existing pensions, tax wrappers, expenditure forecasts, and cashflow modeling.
- 2 Stage 2: Personal Recommendation: Detailed written Suitability Report recommending specific actions, fund allocations, and tax optimizations.
- 3 Stage 3: Implementation: Full administrative execution, pension transfers, platform setups, and digital document lodgement.
- 4 Stage 4: Ongoing Review (Optional): Regular portfolio rebalancing, annual tax allowance reviews, and legislative tracking.
Stop or Continue at Any Stage
You have complete autonomy. You can choose to have your situation analyzed and stop there, or have us implement the entire strategy.
Your Personal Financial Portal (PFP)
Stay in control of your entire financial universe 24 hours a day, 7 days a week, from any device.
Every Money Honey client receives a dedicated, bank-grade encrypted Personal Financial Portal. PFP aggregates all your investments, pensions, bank accounts, and property values into one clean, interactive dashboard.
- ✓ Live Valuation Feeds: Automatic daily portfolio updates and performance tracking.
- ✓ Encrypted Document Vault: Securely upload tax returns, identification, and download your financial reports.
- ✓ Direct Secure Messaging: Communicate directly with Jane Hodges and Rod Reed without unencrypted email risks.
Tech Top-Up Coaching
Worried about technology? Don't be. Many of our clients are in their 60s, 70s, and 80s. We believe digital advice should be empowering, never intimidating.
Rod Reed will call you by telephone to guide you through downloading Microsoft Teams and logging into your portal for the first time.
Subsequent technical coaching sessions are available at just £25 per 20 minutes whenever you want a refresher.
Schedule Your Complimentary Video Call
No sales pitches, no jargon. Just an open conversation with an independent Chartered Financial Planner focused on your goals.