Building
First proper salary, some debt, a lot of choices.
- Which comes first: the debt, the emergency fund or the retirement plan at work?
- How much of each pay rise should we keep for later?
- Is now the time to buy, or to keep renting and save?
Fee-only financial planning
A written plan for your money, from people who sell no products
Lindqvale Planning helps households and business owners make decisions about work, tax, property, retirement and family. You pay a flat fee you can see before we start. Nobody here earns commission.
Next calls Tue 10 Nov, 9:30 AMWed 11 Nov, 4:00 PMFri 13 Nov, 12:15 PM
Paid only by youNo commission or referral money from anyone.
Priced by the workNot by how much you have.
A plan in writingDelivered within six weeks of discovery.
No minimumNo balance or income threshold.
1Your situation
Where are you right now?
Most people call because something has changed. Find the stage closest to yours. These are the questions we usually start with.
Family and home
Two incomes or one, a mortgage, people who depend on you.
- How much life and disability cover does the household need?
- Could we keep the house on one income?
- How do we save for education without giving up retirement?
Business owner
The company is your income and your biggest asset.
- How should I pay myself: salary, distributions or a mix?
- Which retirement plan suits a small company?
- Who buys me out, and on what terms, if I stop?
Approaching retirement
Ten years out or less, and the date is starting to feel real.
- When can we stop, and what does that look like month by month?
- When should we claim our state pension?
- How do we cover health costs before public cover starts?
In retirement
The paycheck has stopped. Now the money has to do the work.
- How much can we spend each year without worrying?
- Which accounts do we draw from first, and how does that affect tax?
- What happens if one of us needs long-term care?
After a loss or a sale
A death, a divorce, an inheritance or the sale of a business.
- What has to be decided now, and what can safely wait?
- Where should the money sit while we think?
- Can I afford to stay in the house, and what is owed in tax this year?
Recognize your questions? Bring them to a free 30-minute call.Book an intro call
2Fees
What it costs
Three ways to work with us. You will have a fixed quote in writing before you commit to anything.
| Service | What it covers | How it is charged | Fee |
|---|---|---|---|
| Financial planOne-off | Discovery, the full written plan, the plan meeting and the 90-day review. | Flat fee, agreed in writing before work starts. Half on signing, half when you receive the plan. | $3,200 to $6,800 |
| Ongoing retainerAfter the plan | Yearly plan update, a tax-season check-in, a mid-year review, and calls or email when something changes. | Monthly, billed in arrears. Stop with 30 days’ notice. | $240 to $520 / mo |
| Hourly adviceOne question | A second opinion, a job offer, a pension choice or a mortgage decision. No plan needed. | Billed in 15-minute steps, two-hour minimum, with a written note of what we said. | $280 / hour |
How the fee is worked out
- How many income sources, employers or businesses are involved
- Whether property, trusts or an estate need reviewing
- Whether two households or two countries are involved
- How much tax work the plan needs
What we do not charge
- The intro call
- Commission or sales charges on any product
- A percentage of your investments
- Referral fees, either way
- Exit fees when you leave
3First 90 days
How the first 90 days work
- Day 0
Intro call
Thirty minutes. You tell us what prompted the call, we explain how we work and whether we are a fit.
Free, no paperwork - Weeks 1 to 2
Discovery meeting
Ninety minutes on goals, family and work. We send a secure list first: recent payslips, tax returns, statements, policies and wills.
You get your fee quote after this - Weeks 4 to 6
The written plan
We walk you through it page by page, explain the trade-offs, and agree an action list with names and dates.
The plan is yours to keep - Day 90
Review
What got done, what got stuck and what changed. Then you choose: carry on with a retainer, or take the plan and go.
Included in the plan fee
4What you receive
A plan you can read at the kitchen table
Your plan runs to about 35 pages in plain English, and ends with a list of who does what.
Prepared for Dana and Theo Marrow
Sample plan, October 2026
- 1. Summary and next steps3
- 2. Your goals, in your words5
- 3. Net worth and cash flow7
- 4. Tax position and options11
- 5. Retirement projection, assumptions shown15
- 6. Investments: what you hold and what it costs20
- 7. Insurance and protection review25
- 8. Estate documents checklist28
- 9. Education funding30
- 10. Action list: who does what, by when33
| Action | Who | By |
|---|---|---|
| Update beneficiaries on the workplace plan | Dana | 20 Nov |
| Send policy schedule to the broker for a cover review | Theo | 28 Nov |
| Book a will review with your attorney | Both | 12 Dec |
| Move the emergency fund to a separate account | Dana | 15 Dec |
| Check payroll withholding with your accountant | Planner | 9 Jan |
| Open the separate education account | Theo | 16 Jan |
| Day 90 review meeting | All | 21 Jan |
Each action names one person and one date, so nothing sits with “someone”.
The plan belongs to you. Take it to another advisor, your accountant or nobody at all.
5Advisors
Who you would be talking to
You speak to a planner from the first call. There is no sales team.
Marit Ostrand
Lead planner
Works mainly with families and people approaching retirement. Started her career in a bank’s lending team.
- Postgraduate diploma in financial planning
- Professional planning designation
- Retirement income specialist training
Daniel Okoye-Fenn
Planner, business owners
Former tax accountant. Handles owner pay, company retirement plans and business sales.
- Degree in accounting and finance
- Professional tax qualification
- Business succession planning training
Joelle Harrowgate
Planner, life transitions
Works with people after a bereavement, a divorce or an inheritance, at whatever pace they need.
- Diploma in financial planning
- Divorce financial analysis training
- Estate and trust planning training
Add your license, registration and professional credentials here
6How we are paid
How we are paid, and our conflicts of interest
Your fee is the only money we receive. We are fee-only: no commission, no trail payments, no gifts or trips from product providers.
That does not remove every conflict of interest. No firm can. So we name the ones we have and write down how we handle them.
Costs charged by others, such as fund or platform charges, are set by those providers. We show them in your plan.
| Where a conflict can arise | What we do about it |
|---|---|
| A retainer pays us to keep you as a client, even in a quiet year. | We tell you when you could safely stop, and the retainer has no exit fee. |
| We may own the same funds we suggest to you. | We keep a written record of personal holdings and tell you before making the recommendation. |
| We refer clients to attorneys, accountants and insurance brokers. | We take no referral payment and give you at least two names where we can. |
7Questions
Questions people ask first
Do you hold my money?
No. Your accounts stay in your name at the provider of your choice. We give written recommendations, and you decide whether to act on them.
Is there a minimum amount to work with you?
No. Our fees are based on the work involved, not on what you have, so there is no minimum balance or income.
Can you promise how my investments will do?
No, and nobody can. Plans use stated assumptions that you can read and question, and we update them each year.
We already have an accountant and an attorney. Is that a problem?
Not at all. With your permission we work alongside them, and we can join a meeting so that everyone is reading the same plan.
What if we only want one question answered?
Use hourly advice. There is no plan, no retainer and no pressure to take either. You get a short written note afterwards.
Do we have to meet in person?
No. Most meetings are by video. Our office on Tamarind Court is open for anyone who prefers to sit across a table.
8. Intro call
Book a free 30-minute call
Talk to a planner about what has changed and whether we are the right firm for you.
- Free, with no obligation to go further
- By phone or video, your choice
- No documents needed yet
- We will tell you if we are not the right fit