OUR FEES
Out in the open for all to see
No one likes to guess how much things might cost, even when making a simple enquiry. So this page will hopefully set your expectations about the service delivered and charges payable for initial and ongoing advice.
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.
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
We have 4 options for initial advice and implementation which should enable you to receive an appropriate service. Depending on the package chosen and the funds under advice, we can analyse up to 6 investment and/or pension products, produce a Suitability Report outlining our recommendations, and implement them for you. Charges are payable via your product or directly by you on completion.
Service Level 1 - Economy
We offer a fixed charge for a single client to analyse 1 to 2 different types of personal pension and/or investment products. The charge includes:
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 & 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
£3,750
Min £175,000
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
- live cashflow model discussion (Plan A & B)
- review pros and cons of your existing products
- confirm achievable and measurable goals for the future
- 3 cashflow models (Plan A, B & C, What IF)
- existing and recommended product & fund analysis
- sent via secure portal with meeting to discuss advice and cashflow models
- pre-completed applications with online signing (subject to provider)
- weekly updates until completion
£4,750
Min £225,000
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
- live cashflow model discussion (Plan A & B)
- review pros and cons of your existing products
- confirm achievable and measurable goals for the future
- 4 cashflow models (Plan A, B, C & D, What IF)
- existing and recommended product & fund analysis
- sent via secure portal with meeting to discuss advice and cashflow models
- pre-completed applications with online signing (subject to provider)
- weekly updates until completion
£5,750
Min £300,000
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
Should you wish for us to continue advice, we have 4 ongoing service options from which to choose. Depending on the package chosen and the funds under advice, we can monitor, report and advise on multiple products, produce an annual Review and implement changes to keep your plan on track. Charges are payable monthly via your product or directly by you during each review year.
Service Level 1 - Economy
Fact Find Portal
- update your change in circumstances, income and spending, assets and liabilities via secure portal
- provider valuation report via secure portal
- month by month valuation, portfolio risk rating, target capital chart via secure portal
- allows us to compare year on year and discuss changes
- annual reminder on how long until retirement or when you’ll receive a birthday card from the King
- sent via secure portal when portfolio falls below 10%
- meeting to discuss review advice incl. cashflow models and What IF sent via secure portal
- correspond via secure portal or dedicated support email
- 2 year agreed charge which you can break
£139 per month
Service Level 2 - Economy+
We offer a fixed charge for ongoing advice to a single client or a couple. The charge includes:
Fact Find Portal
- update your change in circumstances, income and spending, assets and liabilities via secure portal
- provider valuation report via secure portal
- month by month valuation, portfolio risk rating, target capital chart via secure portal
- allows us to compare year on year and discuss changes
- annual reminder on how long until retirement or when you’ll receive a birthday card from the King
- sent via secure portal when portfolio falls below 10%
- meeting to discuss review advice incl. cashflow models and What IF sent via secure portal
- correspond via secure portal or dedicated support email
- 2 year agreed charge which you can break
£179 per month
Min £225,000
Max £325,000
-
single or couple
-
1-2 ongoing products
-
regular contact
-
annual meeting
Service Level 3 - Premium
We offer a fixed charge for ongoing advice to a single client or a couple for an enhanced service. The charge includes:
Fact find portal
- update your change in circumstances, income and spending, assets and liabilities via secure portal
- month by month valuation, portfolio risk rating, death benefit nomination, target capital chart via secure portal
- month by month valuation, portfolio risk rating, death benefit nomination, target capital chart via secure portal
- allows us to compare year on year and discuss changes
- updated performance and potential retirement income scorecard
- annual reminder on how long until retirement or when you’ll receive a birthday card from the King
- sent via secure portal when portfolio falls below 10%
- end of calendar year summary sent via secure portal
- meeting to discuss review advice including cashflow models and What IF sent via secure portal
- correspond via secure portal or dedicated support email
- 2 year agreed charge which you can break
£219 per month
Min £325,000
Max £450,000
-
single or couple
-
1-3 ongoing products
-
enhanced contact
-
annual meeting
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.