See concentration risk
We identify where large balances or multiple brands may sit under the same banking licence and flag questions to verify with the provider or FSCS.
Independent planning
structureUK / Private planning
Bring your savings, valuables and future plans into one clear structure.
Merewell helps UK households understand how their savings are arranged, how valuable possessions are documented and where specialist advice may be needed. The first consultation is free, practical and focused on the decisions in front of you.
Initial review£030–40 minute consultation
Core areas03Savings · valuables · future
Service scopeUK-wideRemote planning support
£0first consultation
3areas reviewed together
30–40 mintypical first call
UK-wideremote planning service
01 · Start with the whole picture
Money can be well saved and still poorly organised.
Protection is rarely one product. It may involve deposit eligibility, account ownership, records for valuable items, insurance scope, access to important documents and decisions about who can act if circumstances change.
Make valuables provable
Receipts, serial numbers, valuations and photographs can matter when ownership or replacement value needs to be evidenced.
Turn “someday” into a sequence
We separate tasks you can do yourself from questions that should go to a solicitor, insurer, tax adviser or FCA-authorised adviser.
02 · The protection map
Four directions, one joined-up plan.
Choose the area closest to what is on your mind. Each route starts with practical organisation and makes the limits of general guidance clear.
Savings structure
Reserve Position Review
Map cash balances across providers, identify shared-brand questions, note access needs and record which deposits may fall within FSCS eligibility.
Possessions
Valuables Record Plan
Create a practical inventory for jewellery, watches, art, collections and other significant possessions, with prompts for evidence and cover limits.
Household resilience
Access & Continuity Check
Organise where key documents are held, who knows what exists, and which legal arrangements may need professional review.
Longer term
Future Decision Map
Frame questions around pensions, investing, tax, gifting and later-life planning before approaching the relevant regulated or legal professional.
A
Savings: protection depends on eligibility and banking licence.
FSCS currently protects eligible deposits up to £120,000 per person, per UK-authorised firm. Different bank brands can share one licence, so the relevant total may span more than one account. Eligibility and limits should be checked against current FSCS and provider information.
Merewell
Protection Map
Protection Map
03 · Why use a planning service?
Because providers explain their product. We help you frame the whole decision.
It is easy to collect product brochures and still miss a structural issue: duplicated banking licences, outdated valuations, missing paperwork, unsuitable access periods or a future decision that actually needs regulated advice.
Product-neutral first step
Our initial review is about your situation and questions, not pushing a particular account, insurer or investment.
Clear hand-offs
We distinguish general planning from regulated financial advice and legal work, so you know when another professional is appropriate.
A record you can use
Paid follow-up work produces a structured action summary designed to make later conversations with providers and advisers more efficient.
04 · From uncertainty to a usable plan
A consultation should end with decisions, not another pile of tabs.
Free first conversation
We clarify what you are trying to protect, approximate values, time horizons, access needs and what is currently causing concern.
Map the structure
We group the situation into savings, valuables, continuity and future decisions. You choose whether the free conversation is enough or whether a paid written map would help.
Set the next actions
You receive practical actions and verification points. Where a decision crosses into regulated advice or legal advice, we make that boundary explicit.
Revisit when life changes
A home sale, inheritance, retirement, major purchase or change in household circumstances can alter what deserves attention.
05 · Fees without hidden layers
Start free. Pay only if you want a documented follow-up.
These are fees for Merewell's planning service, not charges for bank accounts, investments, insurance policies or legal work.
Clarity Call
£0
A 30–40 minute initial consultation covering your priorities, current arrangement and which route deserves attention first.
VAT: No charge, so no VAT payable. Third-party
costs: none included.
Book the free call
Protection Map
£118.80
A structured written summary covering up to three protection areas, verification prompts and a prioritised action sequence.
Price includes: £99.00 service fee + £19.80 VAT. Not
included: product fees, adviser fees, insurance premiums, legal or valuation costs.
Valuables File
£76.80
A guided inventory template and review for significant household valuables, evidence gaps and questions to raise with your insurer.
Price includes: £64.00 service fee + £12.80 VAT. Not
included: professional valuations, storage, insurance premiums or replacement costs.
Annual Check-in
£148.80
A fresh review of an existing Merewell plan after material changes, including a revised action summary and new verification prompts.
Price includes: £124.00 service fee + £24.80 VAT. Not
included: any third-party professional or product charges.
06 · Savings, possessions, future
Protection works best when the three are not treated as separate lives.
A strong cash reserve can still leave a family exposed if important documents are inaccessible. Expensive possessions can be insured but poorly evidenced. Long-term investments may be suitable for one objective and unsuitable for money needed soon.
Our role is to organise the questions around access, evidence, ownership, timescale and professional responsibility before you make product decisions.
Current UK deposit reference£120,000
FSCS standard deposit protection for eligible deposits is currently up to £120,000 per eligible person, per UK-authorised firm. Some temporary high balances can qualify for higher protection for a limited period. Always check current eligibility and limits.
A clear first step
Start with your situation
You do not need to know which product you need before the conversation.
07 · Questions worth asking first
Before you move money, buy cover or make a long-term commitment.
These answers describe Merewell's service. They do not replace product-specific terms or regulated financial advice.
No. Protection depends on the product, provider, eligibility rules, documentation and individual circumstances. We help you identify practical checks and questions; we do not promise that loss cannot occur.
No. Merewell provides general planning and organisational guidance. We do not recommend that you buy, sell or hold a specific investment, pension or insurance product. Where regulated advice is needed, we will tell you that a suitably authorised professional should be consulted.
It is the current standard limit for eligible deposits per person, per UK-authorised bank, building society or credit union. Multiple brands can share an authorisation, and not every balance or product is treated the same way. Current eligibility should be checked directly with FSCS and the provider.
A rough list of savings providers and balances, the types of valuables you are concerned about, any existing cover, and the life events or future decisions driving the review. You do not need to send account passwords, card details or security credentials.
Our listed paid service prices include VAT as shown. Any bank charges, investment fees, insurance premiums, legal fees, tax advice, professional valuations or secure-storage costs are separate and only arise if you independently choose those third-party services.
08 · Free consultation
Tell us what you are trying to protect.
We will use the details below to prepare for an initial conversation. Please do not include passwords, PINs, full account numbers, card details or other security credentials.
Your details are used to handle your enquiry and
arrange the consultation. Read our privacy policy.