Fees
Find out about our fee structures and what you can expect to receive.
Our fee philosophy
One of our core values is transparency. This means that fees are never hidden, and you won’t be pressured into making any decisions.
Advice fees
Currently, our advice fees are based on a percentage of the assets that we advise you on. This is broken down into an initial fee and then, for most clients, an ongoing annual fee.
The initial fee is agreed with you from the outset and is based on how complicated your requirements are. We won’t charge you until you have agreed on the work you’d like us to do.
Your financial adviser will discuss the fee with you in detail, so please take the opportunity to ask questions before signing a fee agreement.
Your fees cover the cost of:
- Identifying your short- and long-term financial goals
- Liaising with current product providers to get a full picture of your finances
- Researching the most suitable financial products to meet your needs
- Developing a plan to achieve your financial goals, along with a personal value analysis
- Implementing any recommendations and liaising with the relevant product providers
- Ongoing review and management of your financial products including pensions, investments, insurance, trusts, etc.
- A regular (at least annual) review to assess progress towards your goals. We’ll discuss any changes to your circumstances and adapt your plan accordingly
- Proactive communications when changes in regulations, economy etc could impact your plans
- Year-round access to your adviser to answer any questions or address any concerns
- Monthly newsletter containing lots of information on managing your finances
Chris has provided peace of mind enabling us to now retire early. He has taken the time to get to know and understand us, helping us to develop and adapt our strategy. We have an open and transparent relationship with him which builds trust. He is personable and tailors solutions to our needs.
I’ve been absolutely delighted with the advice and support I’ve received from Maxine Clarke. She took the time to understand my goals, explained my options clearly, and helped structure my retirement plans. I now feel fully informed, supported, and confident about my financial future.
Luca encouraged me to take a step back and look at the bigger picture – how much risk am I prepared to take, how much income do I really need for my day‑to‑day expenditures, what are my plans for retirement. Luca worked through all the steps of the process at my pace, patiently explaining all the jargon as we progressed.
Chris took the time to understand our goals, provided clear explanations of approaches and a thoughtful, well-structured follow up note. Chris' approachable nature and attention to detail was first class. Following our interactions we now have a much clearer understanding of the relevant aspects to our estate planning.
Liv patiently understood our circumstances and conducted the due diligence required to provide very transparent and exceptionally professional advice. He struck a great balance on long‑term investments, pensions, insurance and retirement. I found Liv very knowledgeable, confident, and personable.
Tom expertly guided me through the complex and time-consuming process associated with consolidating several company pensions. Tom has also provided advice on a number of other financial benefits I was previously unaware of.
Ross gave me a lot of very useful information. He explains everything in a clear and concise way and doesn’t fill your head with jargon you may not understand. He keeps it plain and simple. Ross helped me understand how I could claim back overpaid tax and money I had been paying for a service with a previous pension adviser that shouldn’t have been charged.
From the initial meeting, George was able to understand my concerns and present options for how I could move forward. At no point did I feel any pressure, and I felt from the outset that I wanted to establish a long‑term relationship with George.
Russ guided me through the process of assessing current and future demands on my finances and the selection of appropriate pension investments. Throughout the process Russ has been very patient and explained clearly different options with their risk/benefit profiles. I have found his manner very supportive.
I had several meetings with Freddie to discuss my medium‑ to long‑term goals, my appetite for risk, the kind of retirement I would like and at what age. We then walked through my current finances in detail, and Freddie presented the gap between where I am now and where I would like to be, and proposed some changes that could help me achieve my goals in future.
Liviu has provided us with invaluable help regarding our pensions and how to best plan for our retirement. He has always made time to explain our options and fully answer any concerns we had. He has always gone the extra mile to ensure we were comfortable with the decisions we made and was endlessly patient.
Other fees
Every time an investment is bought or sold, there are associated costs such as dealing charges, bid/offer spread, and Stamp Duty. We work hard to ensure that the investment products we recommend have low fees and represent good value for money.
Insurance companies will pay us commission with regard to insurance and pure protection contracts and as with all our fees these will be fully disclosed to your prior to us putting any contracts of insurance on risk.
A platform is an online tool that allows various “tax wrappers” (such as pensions, ISAs, General Investment Accounts, and investment bonds) to be managed in a single place. This provides you with easy access to information and tax reporting. In recent years, the cost for platforms has become more competitive, and almost on a par with standalone pension and ISA options. For more detail, please visit our FAQs page.