The Challenge

The Price and Value outcome is proving to be the most challenging aspect of Consumer Duty compliance. The FCA expects firms to demonstrate that total costs are reasonable relative to benefits, benchmarked against market alternatives, and assessed across the entire distribution chain. This package gives you the tools to evidence all of this systematically.

Our Four-Pillar Framework

Every document in this package is built around our proven four-pillar assessment approach:

• Pillar 1: Cost Analysis – Comprehensive assessment of all monetary and non-monetary costs
• Pillar 2: Benefit Evaluation – Systematic evaluation of benefit accessibility and realisation
• Pillar 3: Comparator Benchmarking – Market positioning analysis against comparable products
• Pillar 4: Distribution Chain – Value-add assessment at each distribution stage

What's Included

Professional Package (8 Documents):

Fair Value Assessment Methodology Document (.docx)

Comprehensive framework covering the four-pillar approach, quantitative criteria, and governance requirements.

Product-level Value Assessment Workbook (.xlsx)

9-worksheet master workbook for conducting complete product assessments with integrated scoring.

Cost-Benefit Analysis Template (.xlsx)

Detailed cost categorisation across 6 categories with multi-year projection and net value calculation.

Comparator Product Analysis Framework (.xlsx)

Market benchmarking tool with weighted feature scoring, price comparison, and value positioning matrix.

Target Market Value Considerations Guide (.docx)

Guidance on assessing value for different customer segments and vulnerability considerations.

Distribution Chain Value Assessment (.xlsx)

Mapping and evaluation tool for assessing value-add versus remuneration across distribution channels.

Non-monetary Benefit Evaluation Template (.xlsx)

Framework for scoring intangible benefits, service quality, and customer experience factors.

Value Assessment Decision Record (.xlsx)

Formal documentation template for recording value decisions with full audit trail.

Key Features

• ✓ Structured four-pillar value assessment approach
• ✓ Quantitative and qualitative assessment criteria
• ✓ Detailed cost-benefit analysis with multi-year projections
• ✓ Market comparator benchmarking methodology
• ✓ Distribution margin assessment tools
• ✓ Non-monetary benefit scoring framework
• ✓ Target market segmentation guidance
• ✓ Complete audit trail documentation
• ✓ Ready-to-use Excel formulas and calculations

Why Choose Professional?

Feature Standard Professional

Core Methodology & Workbook ✓ ✓

Cost-Benefit Analysis – ✓

Comparator Benchmarking – ✓

Distribution Chain Assessment – ✓

Target Market Guidance – ✓

Non-monetary Benefit Evaluation– ✓

Decision Record Template – ✓

Total Documents 2 8

Regulatory Alignment

Fully aligned with FCA expectations under PRIN 2A.4, PS22/9 (Consumer Duty Policy Statement), and FG22/5 (Final Guidance). Designed to meet product governance requirements under PROD sourcebook.

Who Is This For?

• Product Managers requiring comprehensive assessment tools
• Pricing Teams needing detailed cost-benefit evidence
• Compliance Officers building robust value frameworks
• Firms with multiple products or complex distribution arrangements
• Teams preparing for regulatory scrutiny

Need Board Reporting & Remediation Planning?

Upgrade to Premium (£849) for the complete 11-document package including Annual Value Review Protocol, Poor Value Remediation Plan Template, and Board Value Assessment Summary Template.

The complete operational toolkit for fair value.

Everything you need to evidence PRIN 2A.4 compliance.

Compliance Consultant | Making Compliance Work

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