Our fee approach
We believe financial planning should feel clear and transparent from the very beginning. Our fees are explained upfront, agreed with you in advance, and designed to reflect the work involved in helping you achieve your goals.
Our fees
We’re clear and upfront about our fees, so you understand both the cost and the value behind the advice you receive.
How our service works
Financial planning is typically structured in stages. We begin by understanding your current financial position and what you want to achieve. From there, we build and implement a tailored plan.
Some clients choose to stop there, while others continue with ongoing reviews and support to help keep everything on track over time.
Initial fees
For new clients, our initial fee for financial/retirement planning is made up of a fixed planning fee of £1,200, plus a percentage-based fee that depends on the amount being invested or transferred. This covers the full advice process, including fact-finding, cashflow or budget planning, risk profiling, research, recommendations, suitability report, third-party liaison, and implementation.
For existing clients who already pay for ongoing service, the £1,200 fixed fee is not charged, and the percentage fee applies only to additional assets. This ensures you are not charged twice for work already covered within your ongoing service.
Example 1 – New client
- If you invested £125,000, the fee would be £1,200 plus 1.95% of £125,000 (£2,437.50), giving a total fee of £3,637.50.
- If you invested £350,000, the fee would be £1,200 plus 1.50% of £350,000 (£5,250), giving a total fee of £6,450.
Example 2 – Existing client
- If you already had £300,000 under advice and invested a further £100,000, the fee would be 1.50% of the additional £100,000 (£1,500).
- If you already had £500,000 under advice and invested a further £100,000, the fee would be 1.10% of £100,000 (£1,100).
What it costs:
| Investment amount | Fee |
| Up to £100,000 | £1,000 or 2.00% |
| £100,001 – £200,000 | £2,000 or 1.95% |
| £200,001 – £300,000 | £3,900 or 1.70% |
| £300,001 – £400,000 | £5,100 or 1.50% |
| £400,001 – £500,000 | £6,000 or 1.30% |
| £500,001 – £750,000 | £6,500 or 1.10% |
| £750,001+ | £8,250 or 0.85% |
Our ongoing services
As your circumstances change, your financial plan may need to evolve with you.
Our ongoing service provides regular oversight and guidance to help ensure your investments and financial strategy remain appropriate over time.
This typically includes annual review meetings, portfolio reviews, updates to your financial plan, and ongoing access to your adviser for questions or support.
Ongoing fee
Our ongoing service is optional and charged as a percentage of the funds we manage for you.
We charge:
- 0.8% per year on funds up to £850,000
- 0.3% per year on any value above this.
A minimum annual fee of £1,250 applies.
How we charge for other services
Protection advice
We do not charge a fee for arranging protection policies such as life insurance, critical illness cover, income protection or private medical insurance.
If you decide to proceed, we are typically remunerated by commission from the provider. The amount will always be disclosed to you before you go ahead.
Mortgage advice
For mortgage advice, we charge a fixed fee of £595 for new applications, payable in two parts: £395 at the point of submission of a decision in principle and application to a lender and £200 on receipt of your mortgage offer.
For product transfers with your existing lender, the fee is £195.
We may also receive commission from the lender, which will be fully disclosed to you.
Your home may be repossessed if you do not keep up repayments on your mortgage. Think carefully before securing debts against your home.
Cover will cease on insurance products if premium payments are not maintained.
Payment options
We offer a number of ways to pay for our services, depending on what is most suitable for you. This may include invoice payment, deduction from investment products, or payment via product providers where applicable.
We will always agree your fees with you before starting any work. There are no hidden costs, and you will only ever pay for the services you choose.
Production
