High net worth leads: £1m–£3m pension clients, pre-booked
For planning firms whose minimums start at £500k or £1m. Meetings with savers who put their pensions in the £1m–£3m band, booked into your diary with a full brief. £500 per qualified show.
On this page
You buy a booked conversation with a £1m+ pension client, in both diaries.
- You buy a contact detail
- You ring them to introduce yourself
- You chase for a date and time
- You pay whether they answer or not
- The same enquiry often goes to several firms
- You buy a booked appointment
- They picked the time, asked for one firm only, and are told your firm's name and FRN when you claim
- Pensions of £250k+ (self-declared), reconfirmed on the call
- No-show? It's credited back to your balance
- One firm per appointment, never resold
- Sees one of our adverts on Facebook, Instagram or Google. Every consumer advert is approved by an FCA-authorised firm under section 21 of FSMA before it runs.
- Answers the qualifier: DC pension value (under £250k can't book), pension types, pots, age, retirement stage and the help they want.
- Chooses the £1m–£3m band for their combined DC pensions and gives a band for other investable assets.
- Hears the ground rules: advice is paid for, and your firm pays us for the introduction. People who only want free guidance are pointed to MoneyHelper.
- Picks a time, confirms their mobile and asks us to book them with one FCA-authorised independent firm. Their answers go to that one firm only.
- Gets your firm name and FRN as soon as you claim the booking, before the call, plus email and text reminders. We don't make unsolicited pension marketing calls.
- Meets you by video, phone or face to face. If they don't turn up, the credit goes back to your balance.
What counts as a high net worth appointment here?
On InvestmentsBooked, a high net worth appointment is one where the client puts their combined defined-contribution pensions in the £1m–£3m band. That's pensions alone. ISAs, general investment accounts and cash are recorded separately as an "other investable assets" band, and property is recorded too, so total wealth is often higher than the headline.
We use pension value because clients can estimate it from a statement. It isn't a full wealth assessment: if your definition of high net worth is £2m of investable assets, the brief gives you enough to judge, and you confirm it in the meeting. Everything else matches our other types, including £500 only if the client turns up.
Where do firm minimums sit in 2026?
Minimums have been climbing. Dynamic Planner's Advice 2026 survey, reported in May 2026, found an average minimum investable assets threshold of £168,000 for new clients, with 78% of firms having raised their minimum in the past year. Octopus Money's research put the average at £214,000, but that was in 2024. NextWealth's 2026 benchmarks put the average client portfolio at £536,904.
These measure different things (investable assets, portfolio size), and our floor counts DC pensions only, so treat the comparison loosely. A £250k pension floor sits above the reported average minimum, not every firm's. Chartered and boutique firms often set £500k or £1m, charge fees that only make sense on larger cases, and take a handful of new clients a year. What they need to know is whether someone with £1m+ who booked through an advert can be as good a client as an accountant's referral. We think some can, and we'd rather you judge from the brief than from our say-so.
How do you filter to £1m+ appointments only?
Set your minimum pot band to £1m. You'll then only see appointments where the client chose the £1m–£3m band. The other settings still apply:
The band is the client's own answer, so the filter controls what you're offered; it doesn't guarantee what the client holds. That's why the charging line is the minimum you set. If you set a higher minimum (£500k or £1m) and the prospect confirms pensions below the band you selected, the show is credited, even if they hold £250k or more. With a £1m+ minimum, a client who chose the £1m–£3m band but holds £700k in DC pensions on the call is credited.
Expect this band to be the smallest share of appointments, because far fewer savers hold £1m+ in pensions. We don't promise a weekly number, and credits last 6 months. We supply appointments that match your filters well within the 6 months. If we ever can't before your credits expire, we refund the unused credits. If the £1m+ flow is slow for your area, you can widen to £500k+ or pause.
What is on the brief for a high net worth client?
The same fields as every appointment, with a few that matter more at this level: other investable assets, home and other property, employment (company directors and recent business sellers show up here), whether pensions have been accessed, and whether a partner is joining. This is how a £1m+ appointment might look:
Illustrative appointment card. Every field is one the qualifier collects; the client and figures are examples, not an actual client.
What changes for clients with pensions above £1m?
Pots at this size run into limits that smaller ones don't. For 2026/27, the lump sum allowance is £268,275, so for most people tax-free cash stops growing once a pension passes about £1.07m. The lump sum and death benefit allowance is £1,073,100, covering tax-free lump sums in life plus certain lump sums paid on death before 75. Clients with protection from the old lifetime allowance may have higher figures, which is something to ask about early.
Add the 2027 inheritance tax change, which brings most unused pension funds and death benefits into scope of IHT for deaths on or after 6 April 2027, and you have clients for whom the order of drawing on pensions, ISAs and other assets matters a great deal. That's why many £1m+ appointments carry both a retirement income badge and an IHT badge. The IHT planning leads page covers those rules in more detail.
Will £1m+ clients accept fee-based planning?
Every client, whatever the band, is told before booking that regulated advice is paid for and that you'll explain your fees before any work starts. Anyone who says they won't pay any fee for advice can't book, and if it only comes out in the meeting, that's a disqualification and the credit comes back.
What we can't pre-screen is whether they'll accept your fee. If a client objects to your level of fee, or wants time to think, that's still a qualified show. We say that plainly because firms with £5,000+ minimum fees need to know it before they buy.
The brief also says whether the client already has an adviser. You can filter out second-opinion clients if you prefer.
How does a show price compare with £1m+ enquiry prices?
Directory enquiry prices climb steeply with wealth. One large directory lists financial enquiries at £405 where the consumer states wealth of £1m–£1.5m, £524 for £1.5m–£2m and £857 above £2m (marketplace enquiries £284, £367 and £600), ex VAT, on top of a subscription with mandatory monthly credits. Another has announced £599 plus VAT per enquiry from 1 October 2026 for advisers with a £1m+ minimum wealth setting, plus a monthly membership on a 12-month term. Those buy an enquiry, not a meeting.
| Typical pay-per-enquiry source | InvestmentsBooked | |
|---|---|---|
| You pay for | An enquiry: a form fill or call-back request | A qualified appointment that happened |
| If they never answer | Usually your loss once contact details check out | You don't reach a meeting, so you don't pay |
| If they don't turn up | Usually your loss | Credit back to your balance |
| Pot or wealth level | Stated wealth sets the price; usually not refundable if lower | Self-declared £250k+ in DC pensions, reconfirmed on the call. Under £250k, or under a higher minimum you set: credited |
| Who books the meeting | You chase them for a time | They pick a slot in your diary |
| Contract | Often a subscription or monthly minimum | No subscription, retainer or minimum term. Minimum purchase 10 appointments (£5,000) |
If only half of £1m+ enquiries led to a meeting, the enquiry cost per meeting would be roughly £568 to £1,714 on those price lists, before subscriptions and VAT. The 50% is an assumption for illustration, not a published rate. On InvestmentsBooked the price is £500 per show in every band.
What does a £1m+ client cost at £500 a show?
Appointment spend per new client is £500 divided by the share of shows that become clients:
Illustrative: appointment spend per new client at £500 per qualified show. Your results depend on your fees, speed and proposition. We don't publish an InvestmentsBooked conversion rate.
For context, NextWealth's 2026 average ongoing charge was 0.83%, which on £1m is £8,300 a year before costs. Larger cases often carry tiered or capped fees, so treat that as a mechanical illustration. Your own figures go into the pricing calculator.
How do pricing and credits work?
One credit per qualified show, whatever the band. The minimum purchase is 10 appointments (£5,000), credits last 6 months, and the price has no VAT added. If the £1m+ flow is slow, credits can be used on £500k+ appointments too, or you can pause. No subscription, retainer or minimum term.
How are high net worth appointments qualified?
High net worth appointments clear the same gates as every other type: UK resident, £250k+ in DC pensions (self-declared), fees acknowledged, a confirmed mobile and a request to be booked with one FCA-authorised independent firm. The band is the client's own answer. The rest of the process is the same for every appointment we book. Lead quality covers where prospects come from, how every advert is approved and what the consumer agrees to. How it works walks through booking, the brief and reminders. Pricing has the full show test and credit rules. If you're building a £1m+ pipeline beyond bought appointments, read how to attract high net worth clients. For clients weighing income routes, see retirement planning leads.
Sources and checks. Minimums: Dynamic Planner Advice 2026 as reported by Financial Planning Today (21 May 2026); Octopus Money (July 2024); NextWealth Financial Advice Business Benchmarks 2026. Allowances: HMRC, pension schemes rates and allowances. IHT: HMRC policy paper. Enquiry prices: Unbiased enquiry prices (stated wealth, ex VAT) and subscription credits; VouchedFor announced enquiry prices from 1 Oct 2026 (minimum wealth setting, ex VAT). Ongoing charge: NextWealth 2026. Figures checked 27 September 2026. InvestmentsBooked is not authorised by the FCA and does not give financial advice.