Our feesWe charge fair, fixed fees for our comprehensive lifestyle financial planning service, based entirely on the value we add
Simple, fair and straightforward fees
We believe the only way to ensure that our relationship is focused on you, your life and not your money is by charging fair and transparent fixed fees that are not based on a percentage of your invested assets, but on your unique needs, the complexity of your situation and the time involved in delivering our service.
The financial planning profession should not be confused or compared with traditional financial advice. We know that charging fair transparent fixed fee’s is the only way to ensure we have a lifelong relationship and work in partnership with you in an unbiased way that is free from several conflicts of interest.
Our initial fee is between £1,995 and £5,995 and can include each stage of our lifestyle financial planning service.
If we provide advice on the transfer of Defined Benefit (DB) or Final Salary pensions this will incur an additional fee of £3,000 per scheme.
The exact fee will depend on the complexity of the situation and the work involved.
All our clients receive ongoing investment management and at least one face to face review and forward planning meeting per year.
However, we appreciate everyone is unique. That’s why we have three levels of ongoing fees that range from £3,540 – £8,340 per annum (paid monthly) allowing us to provide the most appropriate level of service and support based entirely on your needs and the complexity of your situation.
Fees in context
We sometimes get asked about how our fees compare to others, so to give some context a recent Financial Conduct Authority (FCA) study showed that traditional financial advisers on average charge an initial fee of between 1% and 3%, followed by between 1.4% and 1.9% per year in investment and advice costs.
That means if you have an investment portfolio of £750,000 on average you will pay an initial fee of between £7,500 and £22,500 and an annual investment & advice fee of between £10,550 and £14,250.
With us you will pay a maximum initial fee of £5,995 (equivalent to 0.80%) and typically an annual planning & wealth management fee of £9,840 (this included investment management costs and is equivalent to 1.31% per annum).
Our fixed fee structure means that over the lifetime of working with us you are likely to save a significant amount and ensure that you retain more of your wealth.