Our fees

We 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.

Initial Fees

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.

Lifetime Support

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.

Examples of our fees

These are examples only and are dependent on your personal circumstances, the actual time spent and the complexity of the work involved.

John and Jane: Travelling the world

  • John and Jane were both 58-years-old when they came to us wanting to review their various pensions, including a workplace pension and a SIPP (Self-Invested Personal Pension) for John and smaller pensions for Jane
  • The total value of their pensions was approximately £400,000
  • They had further investments, including ISAs (Individual Savings Accounts) and Investment Bonds
  • They loved to travel and wanted to understand whether their current financial situation would allow them to achieve their ambition of taking a big trip every two years

We completed a full review of their existing pensions and investments, then built a Lifetime Financial Plan. We then recommended a transfer of John’s SIPP into a new Personal Pension and aligned his investment portfolio to his Lifetime Financial Plan.

As a result, John moved to a four-day working week, giving him more time to enjoy his hobbies. Furthermore, he gained the confidence that he would be able to make the decision to fully retire on his terms and timescale.

We also established that John and Jane could indeed afford a ‘big trip’ every other year for the next ten years, enabling them to tick off a list of destinations. They started with Bali and are excited about working through their list.

Finally, they now have a structured annual review in place to ensure they remain on track to achieve all they want in retirement.

Initial fixed fee: £4,250

Ongoing Fixed Fee: £295 per month (£3,540 per year)

Research from the Financial Conduct Authority (FCA)** shows that traditional financial advisers charge an initial fee of between 1% and 3% of the amount invested and an ongoing fee of between 0.5% and 1% of the assets they manage.

If John and Jane had seen a traditional adviser they might, therefore, have paid:

Initial fee: Between £4,000 and £12,000

Ongoing fee: Between £2,000 and £4,000

Steve and Linda: Helping a local business owner to retire

  • Steve owned a successful local business. He and Linda wanted to retire immediately after selling the business
  • Steve had a pension fund of £600,000 and Linda held £200,000 in hers
  • They have combined ISA (Individual Savings Accounts) savings of £100,000
  • They wanted to understand how their accumulated wealth, and proceeds from the business sale, could fund their retirement
  • Steve and Linda were very unclear as to how long their money would last based on some of their spending plans. This included home improvements, a new car and lots of travel
  • Steve and Linda had received financial advice in the past but had experienced limited ongoing service which was very much focused on their pension and ISAs
  • They also wanted to make regular gifts to their two children and four grandchildren while understanding the potential impact of Inheritance Tax (IHT)

We built Steve and Linda a Lifetime Financial Plan, which clearly showed they could retire and live the life that they wanted, without worrying about running out of money.

We then transferred their pension funds to more appropriate products, allowing them to access their funds as required, while aligning their investments to their risk tolerances and Lifetime Financial Plan.

We also built a programme of gifting to their children and grandchildren, while large unplanned gifts were also made to their children which allowed them to buy their homes. These gifts helped save IHT but, equally importantly, they gave Steve and Linda the satisfaction of seeing their family enjoy the gifts during their lifetime.

We agreed to meet twice a year at our office to ensure that they continue to have full confidence in ther retirement so that they could spend and enjoy their money with freedom. We also ensured their programme of gifting remained on track.

Initial fixed fee: £5,250

Ongoing Fixed Fee: £445 per month (£5,340 per year)

Research from the Financial Conduct Authority (FCA)** shows that traditional financial advisers charge an initial fee of between 1% and 3% of the amount invested and an ongoing fee of between 0.5% and 1% of the assets they manage.

If Steve and Linda had seen a traditional adviser they might, therefore, have paid:

Initial fee: Between £9,000 and £27,000

Ongoing fee: Between £4,500 and £9,000

Tom and Hazel: Helping a senior executive with complex pensions

  • Tom was a board member of a global company, while Hazel was self-employed and ran her own business from home
  • Tom had numerous pensions from previous and current employment totalling £1.2 million
  • Tom and Hazel also had a combined investment portfolio, including ISAs (Individual Savings Accounts), Collective Investment Accounts worth £800,000 and specialist EIS (Enterprise Investment Scheme) and VCT (Venture Capital Trust) investments
  • Finally, they owned a portfolio of investment properties with mortgages and a very large main residence with an interest-only mortgage
  • Tom wanted to understand how the lifetime allowance affected his pensions, while they both wanted to establish a plan that would allow them to purchase first homes for all their children
  • Tom wanted all his professional advisers to work closely together and for his financial planner to coordinate this communication, to save him time. Hazel wanted to be more involved in their overall finances and to better understand how they could achieve their goals
  • They both ultimately wanted a clear plan for the future, so that they could secure their children’s future and enable Tom to retire with confidence

Working with their accountants and solicitors we gathered comprehensive information about Tom and Hazel’s personal finances.

We then built a Lifetime Financial Plan, allowing them to fully understand their financial future. This also allowed us to establish waysto mitigate the impact of lifetime allowance, a debt repayment strategy, and a long-term plan to help their children buy their first homes.

We arranged review meetings to fit Tom’s extremely busy schedule, in our offices and at their home. We spent considerable time with Tom and Hazel explaining the various planning options and established a clear strategy to enable Tom to retire confidently within the next five years. Tom is now planning to move into various non-executive director roles, providing additional income and the time both he and Hazel need to enjoy those things that are now on their bucket list.

Crucially, Hazel now has a very clear understanding of their overall finances and plans for the future. She also has a trusted team to call upon as their situation changes over time.

We are in constant contact throughout the year with Tom and Hazel, their accountant and their children, fielding various queries as their situation changes and questions arise.

We established a flexible review meeting structure that included three meetings either at our offices or their home. In addition we agreed to have ad hoc video calls due to Tom’s busy work schedule and changing financial circumstances. We agreed to coordinate all communications from their other professional advisers.

Tom and Hazel now have in place a bespoke ongoing review service that has been tailored to meet their individual needs. Tom now has more time to focus on his work and family life.

Initial fixed fee: £5,995

Ongoing Fixed Fee: £695 per month (£8,340 per year)

Research from the Financial Conduct Authority (FCA)** shows that traditional financial advisers charge an initial fee of between 1% and 3% of the amount and invested and an ongoing fee of between 0.5% and 1% of the assets they manage.

If Tom and Hazel had seen a traditional adviser they might, therefore, have paid:

Initial fee: Between £20,000 and £60,000

Ongoing fee: Between £10,000 and £20,000

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