The Core Service.

A transparent and fair charging structure for our comprehensive financial advisory and planning services, designed to align with your situation and deliver clear value—free from any hidden costs.

If you're feeling confused by how financial advisers charge for their services, this video provides a clear and simple explanation.

Our Charges.

1 per cent.

A one per cent initial fee covers the cost of analysing your situation, preparing your financial planning report and the implementation of the recommendations.

If, after our initial meeting and prior to preparing the recommendation, we are unable to help you or if you decide that you do not require our services, we will not charge a fee.

Everyone’s situation is unique and we understand there will be times when our Core Service is not appropriate.

  • An initial investment amount of £250,000.

    £250,000 x 1% = £2,500.

    Typically, the fee will be taken prior to an investment strategy having been implemented.

    The initial fee is subject to a minimum of £1,500.

    For investments over £1.5m, the fees will be agreed with you based on the complexity of advice required.

0.75 per cent.

This is the annual fee charged for the ongoing advice.

It covers the cost of monitoring your financial strategy, face-to-face meetings, an annual report to ensure the suitability of advice continues to be aligned to your situation, and being available to you throughout the year.

The ongoing element also includes high-level investment management oversight to ensure all investments held are performing in line with their stated objectives and are tax efficient.

You will also have secure online access, available 24 hours a day, to view real time portfolio valuations.

  • A total amount of £500,000. This might include a combination of investments and products, such as those used for a pension or inheritance tax planning.

    £500,000 x 0.75% = £3,750.

    Typically, the fee will be taken on a quarterly basis. In this example, it would be £937.50 per quarter and will fluctuate according to the value of the total amount.

    The ongoing fee is subject to a minimum of £750.

    For totals over £1.5m, the fees will be agreed with you based on the complexity of advice required.

Other costs.

For protection policies, such as income protection, we are paid commission directly from the provider.  This will vary according to your personal requirements and provider used.  This will always be disclosed to you in the recommendation once we have analysed the products available across the market.

  • Your investments will normally be held via a third-party platform and the associated custody charge is typically no more than 0.3%. This will always be disclosed to you in your recommendation, once we have analysed the market according to your personal requirements, and before your financial plan is implemented.

    For investment funds held, each individual fund will charge their own management fee. The fund manager charges will always be disclosed to you in the recommendation once we have analysed the market according to your personal requirements, and before your financial plan is implemented. For the core investment elements, we will seek to use lower cost passive funds, and whilst not led by fund management charges, this will form part of our due diligence.

    For Inheritance Tax (IHT) products qualifying for Business Relief, our fees typically range from 2% to 3%, depending on the complexity of each case.