OUR FEES
We have several packages which pretty much cover most standard client advice services. The related initial and ongoing charges can be paid by invoice or by debiting your pension or investment product, when possible.
Commissions no longer apply on pensions and investments * products but if you require advice about protection products or general insurance, you have the option to pay for our advice this way in lieu of us charging a fee. Unless otherwise agreed, we’ll use a commission as a method of payment when arranging an insurance product.
* The value of investments can go down as well as up and you may get back less than the amount invested.
Initial Advice
Service Level 1 - Economy
Fact Find & Research Meeting
- scope of advice, goals and risk and return, product discussion
- review income and spending, assets and liabilities
- lost pension and state pension check
- discuss your attitude to risk and capacity for loss and set boundaries
- review pros and cons of your existing products
- agree on achievable and measurable goals for the future
Post Meeting Research
- 2 cashflow models (Plan A, What IF)
- existing and recommended product & fund analysis
Suitability Report & Meeting
- sent via secure portal with meeting to discuss advice and cashflow models
Implementation
- pre-completed applications with online signing (subject to provider)
- weekly updates until completion
£3,950
Min £200,000
Max £250,000
-
1 - 2 existing products
-
2 online meetings
-
2 cashflow models
-
secure data portal
Service Level 2 - Economy+
We offer a fixed charge for a single client or couple to analyse 1 to 4 different types of personal pension and/or investment products. The charge includes:
Fact Find Meeting
- scope of advice, goals and risk and return, product discussion
- review income and spending, assets and liabilities
- lost pension and state pension check
- discuss your attitude to risk and capacity for loss and set boundaries
- agree on draft goals for cashflow
Research Meeting
- live cashflow model discussion
- review pros and cons of your existing products
- confirm achievable and measurable goals for the future
Post Meeting Research
- 3 cashflow models (Plan A, B, What IF)
- existing and recommended product & fund analysis
Suitability Report & Meeting
- sent via secure portal with meeting to discuss advice and cashflow models
Implementation
- pre-completed applications with online signing (subject to provider)
- weekly updates until completion
£4,950
Min £250,000
Max £325,000
-
1 - 4 existing products
-
3 online meetings
-
3 cashflow models
-
partner included
-
non-resident
-
secure portal
Service Level 3 - Premium
We offer a fixed charge for a single client or couple to analyse 3 to 6 different types of personal pension and/or investment products. The charge includes:
Fact Find Meeting
- scope of advice, goals and risk and return, product discussion
- review income and spending, assets and liabilities
- lost pension and state pension check
- discuss your attitude to risk and capacity for loss and set boundaries
- agree on draft goals for cashflow
Research Meeting
- live cashflow model discussion
- review pros and cons of your existing products
- confirm achievable and measurable goals for the future
Post Meeting Research
- 4 cashflow models (Plan A, B, C, What IF)
- existing and recommended product & fund analysis
Suitability Report & Meeting
- sent via secure portal with meeting to discuss advice and cashflow models
Implementation
- pre-completed applications with online signing (subject to provider)
- weekly updates until completion
£5,950
Min £325,000
Min £450,000
-
1 - 4 existing products
-
3 online meetings
-
4 cashflow models
-
partner included
-
non-resident
-
secure portal
Custom
We offer a fixed charge service on non-standard advice for single and couples and business clients. This might include advice about personal pension and/or investment products over £450,000, auto-enrolment (group) pensions, business protection, SSAS and VCTs.
Price on Application
Ongoing Advice
Service Level 1 - Economy
- Client Portal – Secure online access to portfolio and document sharing.
- Annual Review – One yearly meeting to review plan progress and suitability.
- Annual Report – Written summary of review outcomes and fees paid.
- Fund Rebalancing – One annual rebalance or fund switch included.
- Ongoing Contact – Access to adviser support via phone or email.
£159 per month
Service Level 2 - Economy+
- Client Portal – Secure online access for portfolio monitoring and updates.
- Annual Review – One yearly meeting covering all financial circumstances.
- Annual Report – Written review confirmation and annual cost summary.
- Cashflow Forecasting – Annual modelling for one or multiple scenarios.
- Fund Rebalancing – One rebalance or fund switch included per year.
- Ongoing Contact – Direct adviser access via email or phone.
£199 per month
Service Level 3 - Premium
- Client Portal – Secure online portfolio and communication access.
- Annual Review – Comprehensive yearly meeting on complex strategies.
- Annual Report – Written summary of discussions and actions.
- Cashflow Forecasting – Advanced modelling for multiple scenarios.
- Fund Rebalancing – One annual rebalance or switch included.
- Ongoing Contact – Adviser support available any time by email or call.
£265 per month
Custom
We offer a fixed charge ongoing non-standard advice for single and couples and business clients. This might include advice about personal pension and/or investment products over £450,000, auto-enrolment (group) pensions, business protection, SSAS and VCTs.
Price on Application
Additional information
We seek to explain all likely advice charges here, but not everything can be predicted. For example, you may require external taxation advice or changes in legislation may require us to add VAT on an advice service which is currently exempt. We shall notify you in the event anything changes.
Depending on the service we provide, there may be other costs and charges relating to financial products we recommend and arrange for you. We can outline these expected costs in our advice, along with confirmation in supporting documentation.