How we charge
Not many financial advisers publish their fees on their websites. We do, because we believe in being transparent about how we charge for the work we do.
We also completely believe in the value we provide to our clients. In fact, recent research published by the International Longevity Centre UK (ILC) shows that those who receive professional financial advice boost their wealth by an average of £47,706*.
Our clients have also told us how much they appreciate our advice and guidance – just take a look at their testimonials below.
We can offer a planning only service, without the requirement to take ongoing advice. However, we can provide the best value to those clients who choose to work with us over the long term.
* ILC Report: What it’s worth – Revisiting the value of financial advice
Below are details of how we charge for each step of your journey with us:
1. Discover
The first step is to find out how your journey might look! We’ll discuss your financial objectives and goals, uncovering your priorities and timelines for achieving them. Where we are considering your investment needs, we’ll discuss your attitude and experience of investing, as well as the level of risk you can afford to take.
Our charges
There is no charge to you for this step of your journey. All of the time we invest at the ‘discover’ stage is entirely at our expense.
2. Research & advice
With the information we have obtained from the ‘discover’ stage, we will create a plan which aims to achieve your financial goals. We’ll investigate which products will be most suitable for your needs. At this point, we will agree on the initial and ongoing fees required to deliver your plan.
Our charges
Investments and Pensions, Option 1: A percentage of the amount you invest. To be agreed before any work is undertaken. This will typically be 1% of the investment amount. The maximum we would charge as a percentage for Step 2 and Step 3 would be 2% combined.
Investments and Pensions, Option 2: Per hour. We will provide you with a bespoke estimate of the time required before we commence any work and will not charge for any further work unless agreed with you. Typically, the charge is £200 per hour. The time taken to undertake the work will depend on the complexity of the matter. For instance, a single ISA recommendation will typically take 3 hours and an IHT solution involving several recommendations will typically take 15 hours.
Investments and Pensions, Option 3: Fixed charge. We will confirm the fee amount once we have scoped the task and amount of work due.
Mortgages: There is no charge to you for this step of your journey. All of the time we invest up to this point is entirely at our expense.
3. Implementation
We recommend and implement your strategy after explaining it to you. We will assist in the completion of any relevant paperwork, ensuring the documentation is processed as quickly and efficiently as possible.
Our charges
Investments and Pensions
Option 1: A percentage of the amount you invest. To be agreed before any work is undertaken. This will typically be 1% of the investment amount. The maximum we would charge as a percentage for Step 2 and Step 3 would be 2% combined.
Option 2: Per hour. We will provide you with a bespoke estimate of the time required before we commence any work and will not charge for any further work unless agreed with you. Typically, the charge is £200 per hour. The time taken to undertake the work will depend on the complexity of the matter. For instance, a single ISA recommendation will typically take 1 hour and an IHT solution involving several recommendations will typically take 5 hours.
Option 3: Fixed charge. We will confirm the fee amount once we have scoped the task and amount of work due.
Mortgages
There is no charge to you for this step of your journey, but we do charge £600 when you receive your mortgage offer. Our minimum total earnings must be £1,000, some of which we will receive from the mortgage lender. You will be notified of this when we provide you with the mortgage illustration from the recommended lender.
For poor credit mortgages, please speak to us first for a quote.
4. Ongoing service
We build long-lasting trusted business relationships with all of our clients. Whilst optional, we recommend that you continue to work with us to review your investment and pension planning on a regular basis, to ensure that they match your changing goals and objectives.
Our charges
Investments and Pensions
We charge a percentage of your total funds under management. This will typically be 1% per annum. These fees can be paid to us by you or will be deducted from your investment by the product provider.
Please note that we do not charge VAT for our services where we act as an intermediary between you and a product provider.
Fee Examples
If you would like to find out how we can help you to plan for today, tomorrow and the unexpected, why not get in touch?
Helping you plan for today, tomorrow and the unexpected
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