Our Fees
Clear, fair and transparent
We believe great financial advice should come with complete clarity on cost. Our fees are tailored to your circumstances, the complexity of your needs and the service you require.
How we charge
Initial advice: A fee for reviewing your needs and developing personalised recommendations.
Ongoing advice: An agreed fee for continued support and regular financial reviews.
Our fees may be fixed or percentage-based, depending on the service provided. We'll explain all costs upfront, including any relevant third-party charges, so you know exactly what to expect.
Initial Advice Charges
Our initial advice charges depend on the type of advice required, the complexity of your circumstances and whether implementation is needed.
Advice Reports
We offer fixed-fee advice reports for specific financial planning needs, including retirement options advice and cash flow modelling, without implementation.
Retirement options report: £1,500 fixed fee.
Standalone cash flow forecast: £1,500 for a single client or £2,000 for a joint report.
Implementation of Investments or Pension Contributions
Where we implement an investment or pension contribution following advice, our typical charge is between 1% and 2% of the investment amount, depending on complexity.
The minimum fee is usually £1,000, agreed on an individual basis.
Implementation of Investment or Pension Transfers/Switches
For the implementation of an investment or pension transfer or switch, our typical charge is between 1% and 2% of the investment amount, depending on complexity.
The minimum fee is usually £1,000, agreed on an individual basis. The fee will be either an agreed percentage of the final transfer value or an agreed monetary amount.
Minimum new client take-on fee: £1,500. This is sometimes discounted for younger members of the family.
Ongoing Advice Charges
Our ongoing advice service is charged annually as a percentage of the total value of the funds under our advice.
The annual charge is between 0.5% and 1%, depending on the value and complexity of your portfolio. We have different levels of ongoing service and a minimum annual fee of £750 applies.
Annual Fee Structure
Our ongoing advice fees are tiered according to portfolio value:
First £200,000: 1.00% per annum.
Portion between £200,000 and £400,000: 0.75% per annum.
Portion above £400,000: 0.50% per annum.
These rates are applied to the relevant portions of the portfolio when calculating the tiered fee.
Examples of Ongoing Advice Fees
The following examples illustrate the annual fees at different portfolio values, based on the tiered fee structure above.
Portfolio value: £200,000
First £200,000 at 1.00%: £2,000
Total annual advice fee: £2,000
Effective annual fee rate: 1.00%
Portfolio value: £500,000
First £200,000 at 1.00%: £2,000
Next £200,000 at 0.75%: £1,500
Remaining £100,000 at 0.50%: £500
Total annual advice fee: £4,000
Effective annual fee rate: 0.80%
Portfolio value: £1,000,000
First £200,000 at 1.00%: £2,000
Next £200,000 at 0.75%: £1,500
Remaining £600,000 at 0.50%: £3,000
Total annual advice fee: £6,500
Effective annual fee rate: 0.65%
All fees will be agreed with you in advance and confirmed as part of our advice process. The charges applicable to your circumstances will depend on the service provided and the terms agreed.
