Transparency is a pillar of our work and is essential for building trust with our clients. For this reason, we’re upfront about our fees and you’ll find a clear breakdown here on our website. No surprises, just straightforward information to help you make informed decisions from the start.
Trust is the foundation of any strong relationship, and we’re committed to earning yours from day one.
We understand not all clients need or want the same type or intensity of service, therefore, we offer three levels for our ongoing services. These are designed to ensure our services and recommendations are relevant to your circumstances.
Our core service suits most clients both before and during retirement. It also serves those building wealth, peak earners, business owners and entrepreneurs, trustees and attorneys handling other’s financial affairs, and some charities.
This service suits clients needing more frequent formal reviews or complex investment tailoring / bespoke investment solutions. This service can include larger trusts, those with complex Inheritance Tax needs and larger charities.
This service suits clients whose needs are simple (few accounts) and whose investable assets do not meet the minimum thresholds for our full financial planning services. This includes those building up wealth and later-stage retirees.
Our initial charge relates to any new work we do for you and will usually include:
Our initial charge for all types of clients is 0.75% of funds invested. This is subject to a minimum fee of £1,500 and a maximum fee of £5,000.
If you invested £150,000, our fee would be our minimum fee of £1,500
If you invested £500,000, our fee would be 0.75% of £500,000 = £3,750
If you invested £1 million, our fee would be subject to our maximum fee of £5,000
While you mark milestones and celebrate your wins, we’ll continue to keep momentum with our ongoing service. This is an annual fee, charged pro rata every month. What you receive depends on your service level, but it covers ongoing communication and work with you, keeping up to date with regulatory, tax, and macroeconomic factors, and considers any investment market changes.
The fees for this vary depending on the service level required.
Subject to a minimum fee of £1,500 per year.
Funds under advice |
Percentage per year |
| £200,000 – £599,999 | 0.75% |
| £600,000 – £1 million | 0.65% |
| More than £1 million | 0.5% |
If you had £750,000 of funds under our advice, we would charge an annual fee of £4,875.
0.75% of funds under advice, subject to a minimum of £7,500 per year.
If you had £1 million of funds under our advice, we would charge an annual fee of £7,500.
1% on funds between £75,000 – £200,000, subject to a minimum of £750 per year.
If you had £100,000 of funds under our advice, we would charge an annual fee of £1,000.
Because we are a small, agile and digitally driven firm, we can keep costs low while providing highly personalised services.
Research by Which.co.uk highlighted Financial Conduct Authority data that advisers charge an average of 2.4% of the amount invested for initial advice. They also charge an average 0.8% per year for ongoing advice, with total ongoing advice costs averaging 1.9% per year when underlying product and portfolio charges are factored in.
For any aspect of our service, our fee structures will be fully disclosed to you during our initial meeting. We’ll also let you know if any other costs might arise in connection with the services we provide to you. Actual fees payable are also clearly detailed in any proposal that we give you for your approval before implementation.
Our fees are VAT exempt unless the work only involves advice or preparing a report, in which case VAT may be applicable. We’ll always tell you if you have to pay VAT before we undertake any work for you.
Sign up to our newsletter
Book a free introduction chat
Production
