Our Planning & Ongoing Support Fees

 

At Atlas Bridge Wealth, our fees are designed to reflect the level of work, expertise and responsibility involved in delivering high-quality cross-border financial planning and coordination.

 

For UK nationals moving to or living in Portugal or Spain, good planning is rarely about one isolated decision. Pensions, investments, tax residency, property, income planning, succession and long-term retirement objectives often need to be considered together.

 

Our work is therefore priced according to complexity, not simply by the number of accounts or investments involved.

 

Option 1: Private Client Planning Review

€2,000 + IVA

 

A structured consultancy and planning engagement designed to bring clarity to your current financial position and the decisions ahead.

 

Depending on your circumstances, the review may cover:

• your current financial position and objectives;

• retirement and income requirements;

• sequencing of important financial decisions;

• cross-border planning considerations;

• identification of risks, gaps and areas requiring further investigation;

• coordination with tax, legal and other professional advisers;

• identification of areas where separately regulated financial advice may be required; and

• a written Planning Summary & Action Plan setting out the principal observations, considerations and next steps.

 

The precise scope will be agreed with you in advance and will depend on your individual circumstances.

 

This engagement does not include a personal investment, pension or insurance recommendation, or a regulated suitability assessment. Where regulated financial advice is required, this will be provided separately through the appropriately authorised firm. Tax and legal advice will likewise be provided by appropriately qualified professionals.

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Option 2: Cash Flow Modelling

€2,500 + IVA​

For some clients, the immediate priority is understanding whether their existing wealth is sufficient to support the life they want.

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Our standalone cash flow modelling service provides a detailed, forward-looking analysis of your financial position and can help illustrate how different assumptions and decisions may affect your long-term financial sustainability.

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This may include:

• current assets, liabilities, income and expenditure;

• projected retirement income;

• anticipated capital expenditure;

• inflation and investment return assumptions;

• planned withdrawals from capital;

• different retirement or lifestyle scenarios;

• stress testing and “what if?” analysis; and

• an assessment of the sustainability of your financial resources over time.

 

The purpose of the modelling is to support financial planning and informed decision-making. It does not constitute a personal investment recommendation or regulated suitability assessment.

 

Where the modelling identifies a need for regulated investment, pension or insurance advice, this will be dealt with separately through the appropriately authorised firm.

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More on cashflow analysis here.​

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Regulated Advice, Implementation and Onboarding Costs

 

Where a client proceeds from financial planning into regulated advice or product implementation, that regulated service will be provided separately by an appropriately authorised firm for the relevant jurisdiction.

 

Any regulated suitability assessment, personal recommendation, product-specific advice or implementation will remain the responsibility of the authorised firm providing that service.

 

Atlas Bridge Wealth may charge separately for consultancy, planning, coordination, onboarding or administrative work undertaken outside the regulated advice process. Any such fee relates solely to the services provided by Atlas Bridge Wealth.

 

All fees and charges will be explained before you proceed. Where an authorised firm, product provider, tax adviser, lawyer or other professional charges separately, those costs will be disclosed by the relevant party before their services are engaged.

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Ongoing Planning and Coordination Service

 

For clients who value continuing support, we offer an ongoing planning and coordination service designed to keep their wider financial plan aligned with changing circumstances.

 

Where regulated investment advice, portfolio recommendations or product-specific advice is required, this will be provided separately by the appropriately authorised firm.