Our Fees
We like to keep our fees simple. So, we’ll send you a simple proposal before beginning our work, to make sure everyone fully understands and agrees with them.
We always conduct a first meeting at no charge, because we simply cannot understand you, your needs and complexities, and whether or not we can help, until we have spent some time getting to know you.
For full information and examples, please see our Terms of Business, beginning from page 16 at How We Charge
Imagine you are building a house. The big picture future and lifestyle you want is the house you want to have. The investments and products are the tools we use to get you there. And the ongoing planning is the regular maintenance and changes needed to keep your house the way you want it.
Initial Fees
We cannot stress enough how generic this is and we can only provide you with the correct service level and appropriate fee after spending time with you to discover if, and how we can help you.
Full Financial Planning
This includes building your personalised cashflow model with as many different possible scenarios as required, and full advice including reviewing and/or setting up investments, your fee will be:
1% Subject to a minimum of £2,500 and a maximum of £10,000*
*Initial fees may be greater if we are advising on esoteric products or complex trust planning.
Financial Planning Only (no investment advice)
We offer a one-off Planning Only service with no investment advice or regulated advice for a flat charge of £1,500
Protection / Insurance
If we are recommending taking out insurance products (such as life cover, critical illness, income protection) we may be paid a commission from the provider.
We will ensure you are aware of this and can offer to charge you directly as a fee, if you prefer.
Ongoing Advice Fees (if required)
No matter what, life changes. And with it, so do your goals and aspirations and they always will be different from one year to another. This is where our ongoing planning helps to adapt and evolve your plans and arrangements to ensure they continue to provide for you and your future, helping you to live the life you want.
Our ongoing fees are charged at
0.85% per annum on investments managed by us from £0 – £1 million
0.50% per annum on anything over £1 million
For our full ongoing planning service, the minimum ongoing fee will be £1,500 per annum. This is approximately the ongoing fee if you have £175k invested with us.
We will group clients together as husband/wife, family unit etc so that different members of a client group are paying the same fee.