Guides
Employer costs, tax and pensions rules, and adviser and wealth manager fees in pounds, each with its sources.
Guides for employers
Financial wellbeing cost per employee in the UK
What workplace financial wellbeing costs per employee in the UK: Buzz at £1 a month (£99 minimum), costs for 10 to 500 staff, and other providers' prices.
Employee financial wellbeing for small businesses
Financial wellbeing for a small firm's staff for £99 a month: tools, a bank Healthcheck, a call with a coach and webinars, plus the tax rules for employers.
Financial coaching for employees
One-to-one financial coaching for staff: what a session covers, what the employer sees, who pays (from £19 a month or £39 a session) and the limits.
Is employer-paid financial coaching a taxable benefit?
When employer-paid financial coaching is a benefit in kind, and the three exemptions that can apply: pensions advice, welfare counselling, trivial benefits.
The £500 pensions advice exemption for employers
An employer can pay up to £500 a year per employee for pensions information or advice tax-free (ITEPA s308C): what it covers, salary sacrifice, examples.
What the 2029 salary sacrifice cap costs employers
From 6 April 2029 employers pay 15% National Insurance on pension salary sacrifice above £2,000 a year per employee. The cost to your payroll, with £ examples.
Employee financial wellbeing survey questions
Twelve financial wellbeing survey questions for UK staff, with answer scales, how to run the survey anonymously, and UK figures to compare results against.
Automatic enrolment duties for small employers
Automatic enrolment for small employers in 2026/27: who to enrol, the £10,000 trigger, the £6,240 to £50,270 band, 3% and 8% contributions, and fines.
Earned wage access and salary advances for employees
Earned wage access for UK employees: the FCA's view, fees, the CIPP code, the £10,000 tax rule for employer loans, and coaching alongside an advance.
Supporting employees through life changes
Statutory pay and leave for 2026/27 when an employee has a baby, cares for someone, is bereaved, falls ill or goes through the menopause, and the 2027 changes.
How to set up a financial wellbeing programme
Setting up staff financial wellbeing in a UK small business in seven steps: survey, budget, tax, pay and pensions, policy, launch and take-up, with costs.
Financial wellbeing policy template
Financial wellbeing policy template for UK employers in ten sections: what you provide, confidentiality, pay, pensions, pay advances, debt help and review.
Financial wellbeing providers' prices compared
Published prices for Stream (Wagestream), Salary Finance, Octopus Money, Nudge and Buzz: employer plans per employee, pay advance fees and £ costs for 50 staff.
Guides for individuals
An alternative to Octopus Money
Octopus Money and Buzz compared on published prices: £299 plans, coaching, ongoing charges in pounds on £100,000 and £250,000, and employer offers.
Octopus Money fees explained
Octopus Money's published fees: the £299 plan, Financial Planning at 0.58% to 0.60% a year, Wealth Planning at an average 1.25% plus 1% initial, in pounds.
St James's Place fees explained
St James's Place charges since 26 August 2025: initial advice tiers of 3%, 2% and 1%, 0.8% ongoing, product and fund charges, and worked £ examples.
Financial adviser fees as a percentage or a fixed fee
How UK financial advisers charge: FCA averages of 2.4% initial and 0.8% a year, fixed fees, hourly rates, and the pot size where a fixed fee costs less.
Quilter financial advice fees
Quilter's published advice fees: 0.25% to 3% initial, typically 1.5% to 2%, 0.6% to 1% a year ongoing, platform charges of 0.15% to 0.35%, in pounds.
Hargreaves Lansdown financial advice fees
Hargreaves Lansdown advice charges: 2% then 1.5% for financial planning with a £1,495 minimum, 0.365% a year ongoing, and its platform charges, in pounds.
Schroders Personal Wealth fees, now Lloyds Wealth
Schroders Personal Wealth is now Lloyds Wealth. Its fees: 1.75% one-off advice with a £1,000 minimum and £20,000 cap, 0.65% a year ongoing, in pounds.
Evelyn Partners fees explained
Evelyn Partners' published charges: advice from £2,000, financial planning at 0.4% a year, discretionary management from 1.05% plus custody, and Bestinvest.
Free health check
Connect your bank read-only and see where your money goes, then talk it through on a free 30-minute call.