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

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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?

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"Mark has provided long term investment advice for my wife and I for a number of years. Our annual review takes a detailed look at our ongoing financial goals, changes to our financial position and any changes to our risk profile to ensure that our investments continue to meet our needs. Mark explains the investment evaluation process in simple terms to ensure we are comfortable with the choices we make. There is no pressure as all the decisions are ours. We are happy to continue using Mark as our adviser."

David Bull

A client since 2021

Basingstoke

08/11/2021

"Mark was very helpful with helping me aquire income protection insurance. Will definitely be using his services again. "

Josh Hern

A client since 2022

Basingstoke

23/07/2022

"Mark has advised me for a number of years and recently helped with my pension. His advice on this area was clear and importantly he helped to use understandable language when explaining the various options that were availble to me. Everything was completed in a timely manner and going forward I feel in good hands for my financial needs and advice."

Joe Allnutt

A client since 2009

St Mary Bourne

10/08/2022

"Mark has provided excellent financial advice to my wife and I over the last 7 years. The decisions we make are well explained and always in our best interest based on our detailed discussions. Mark prides himself on knowing our long term financial goals and as such can always explain the best course of action. I go to Mark when making any significant financial decision as I feel comfortable he will listen and advise accordingly. The benefit of Mark’s good financial advice and planning helps give security and confidence for our future."

Andy Winnett

A client since 2014

Andover

22/07/2022

"Thanks for the advice about transferring my pension, which is now paying a monthly sum into my bank account. After checking on the Unbiased platform and FCA website before going ahead, we had a couple of face to face meetings to explain the process, and after listening to what I wanted to achieve, you advised me of the best way forward. I am very pleased to say that I am happy with the advice and work you carried out for me and would recommend you."

Anonymous

A client since 2022

Basingstoke

11/08/2022

Reviews and Ratings for Financial adviser Mark Bastable, Salisbury