{
  "analysisDate": "2026-09-18",
  "source": "src/data/published-fee-examples.json",
  "sourceCheckDates": ["2026-09-14", "2026-09-15"],
  "question": "How does the recorded initial planning charge interact with implementation?",
  "unit": "One recorded firm/service entry, not every service at that firm",
  "method": "Manual reading of planning, implementation, treatment and scope notes. One conservative primary category per entry. No inference that an unmentioned charge is zero. Categories describe the recorded wording, not the legal or commercial status of the firm. Conflicting or insufficient descriptions remain scope-dependent.",
  "categories": {
    "additional": "The record explicitly describes implementation as an additional or separate charge alongside planning.",
    "included": "The described initial service includes implementation or combines its price with planning; specialist exceptions can still apply.",
    "credited": "The record explicitly offsets or credits the planning fee against implementation.",
    "investment-linked": "The record explicitly links payment of the described standard advice charge to investment or implementation, without resolving all other services.",
    "scope-dependent": "A service menu, quotation, unclear interaction or inconsistent wording prevents one of the narrower classifications. This is not a finding that the firm fails to disclose fees."
  },
  "rows": [
    {"id":"atticus","category":"scope-dependent","reason":"Separate tasks are priced, but the record asks readers to confirm the combined scope."},
    {"id":"avanti","category":"additional","reason":"Implementation is explicitly additional to the review."},
    {"id":"balance","category":"included","reason":"Implementation support is within the described initial service unless otherwise agreed."},
    {"id":"betterment-wealth","category":"included","reason":"The typical fixed service includes implementation; non-standard work can cost extra."},
    {"id":"britannic-place","category":"credited","reason":"Planning is offset against implementation, subject to a total initial minimum."},
    {"id":"cervello","category":"additional","reason":"The implementation percentage is explicitly additional to the plan."},
    {"id":"chadwicks","category":"included","reason":"The described wealth service includes the plan and initial portfolio setup; standalone and drawdown work differ."},
    {"id":"christina-clegg","category":"included","reason":"The recorded investment service includes implementation; regular contributions have separate terms."},
    {"id":"continuum-wealth","category":"scope-dependent","reason":"Planning reports and implementation tariffs are both recorded without an explicit combined-fee rule."},
    {"id":"daly-hoggett","category":"included","reason":"Implementation is part of the initial stages used in the agreed fee."},
    {"id":"east-anglian","category":"scope-dependent","reason":"A task and product menu cannot be reduced to one planning-plus-implementation rule."},
    {"id":"empower","category":"scope-dependent","reason":"Initial fees are personalised and no separate implementation amount is recorded."},
    {"id":"engage","category":"scope-dependent","reason":"The record notes a paid plan alongside a no-initial-charges headline without a resolved implementation price."},
    {"id":"fidelity","category":"investment-linked","reason":"The standard fee is payable when funds are invested; safeguarded-benefit advice has separate terms."},
    {"id":"fiducia","category":"additional","reason":"Implementation is explicitly a separate charge from planning."},
    {"id":"financial-freedom","category":"additional","reason":"The record explicitly says an additional implementation fee applies."},
    {"id":"fpc","category":"credited","reason":"The initial review is offset; how the published minimum operates still requires confirmation."},
    {"id":"finura","category":"included","reason":"Implementation where required is included in the initial advice fee."},
    {"id":"first-wealth","category":"additional","reason":"The investment or pension setup percentage is explicitly additional."},
    {"id":"fyfe","category":"scope-dependent","reason":"No separate general implementation tariff is recorded; annuity work has its own terms."},
    {"id":"hargreaves-lansdown","category":"scope-dependent","reason":"Financial Planning and Investment Advice are different services with separate tariffs."},
    {"id":"herbert-webster","category":"additional","reason":"The scope notes explicitly identify three separate paid stages. The implementation minimum needs clarification, but that does not erase the stated separation of charges."},
    {"id":"intellego","category":"scope-dependent","reason":"An optional plan and implementation tariff are recorded without a conclusive combined-fee rule."},
    {"id":"just-financial-planning","category":"included","reason":"The implementation charge is described as including the planning fee; no separate credit mechanism is recorded."},
    {"id":"lawrence-clarke","category":"included","reason":"Putting agreed solutions in place forms part of the initial service."},
    {"id":"life-planning","category":"scope-dependent","reason":"The record leaves the interaction of a zero rate and minimum unexplained."},
    {"id":"linkage","category":"scope-dependent","reason":"Advice and implementation are personally quoted without a numerical initial tariff."},
    {"id":"lucent","category":"scope-dependent","reason":"Plan and implementation amounts are recorded but no explicit addition or credit rule is captured."},
    {"id":"mandg","category":"scope-dependent","reason":"Deduction from the investment is described, but deduction method alone does not establish a conditional payment rule."},
    {"id":"mission","category":"scope-dependent","reason":"Several report and implementation prices are recorded without resolving every overlap."},
    {"id":"nestbox","category":"additional","reason":"Implementation has an explicitly separate fixed fee."},
    {"id":"old-mill","category":"included","reason":"The described onboarding includes implementation; specialist services can differ."},
    {"id":"paramount","category":"included","reason":"Implementation is included in the investment advice tariff; planning-only is a separate service."},
    {"id":"pensionhelp-direct","category":"investment-linked","reason":"The general investment schedule applies where recommendations are implemented; pension services differ."},
    {"id":"polaris","category":"additional","reason":"The record describes separate planning and implementation schedules."},
    {"id":"private-capital","category":"included","reason":"Planning and implementation share a combined fee heading."},
    {"id":"purpose","category":"additional","reason":"The recorded worked example explicitly adds implementation to the plan."},
    {"id":"pws","category":"included","reason":"Provider liaison, paperwork and switches are listed within the initial service."},
    {"id":"pyrford","category":"included","reason":"The record explicitly says there is no additional implementation charge."},
    {"id":"quilter","category":"scope-dependent","reason":"The work covered is established by a personal quote."},
    {"id":"rbc-brewin-dolphin","category":"scope-dependent","reason":"The reviewed table does not supply a numerical initial price or settled scope."},
    {"id":"red-circle","category":"scope-dependent","reason":"Multiple per-plan and review tasks are priced without resolving the overall combination."},
    {"id":"smith-and-wardle","category":"additional","reason":"Planning and implementation have explicitly separate fixed fees."},
    {"id":"spentwell","category":"additional","reason":"The implementation percentage is explicitly additional to the planning fee."},
    {"id":"st-jamess-place","category":"investment-linked","reason":"The record says no advice charge applies if advice does not result in investment; agreed rates vary."},
    {"id":"sterling-law","category":"included","reason":"Arranging solutions is included in the initial service; transfer terms differ."},
    {"id":"talis","category":"additional","reason":"Implementation is explicitly additional to planning and recommendations."},
    {"id":"taylor-haines","category":"included","reason":"The described advice service includes implementation; a standalone review is separate."},
    {"id":"money-clinic","category":"additional","reason":"The new-product charge is explicitly in addition to advice."},
    {"id":"xentum","category":"credited","reason":"The WealthPlan fee is deducted in full if the firm implements it."}
  ]
}