Investment and pensions advice costs

We are here to help you secure your financial future through trusted advice, so it’s important for us to be transparent about how much it may cost you.

At your free initial consultation, we’ll give you a clear explanation of:

how much you’ll pay and when
which of our services you’ll be paying for
how we’ve calculated the fees and charges

Our fees and charges depend on the type of advice you receive, and you won’t pay a penny until you’ve agreed the next steps with your financial planner. You are under no obligation to pay for ongoing service unless you and your adviser feel that it offers you fair value and absolutely supports your financial planning needs.

We offer flexible payment options and you’re free to decide whether you prefer to pay for one-off advice or take up our offer of ongoing advice.

At Quilter Financial Advisers we're here to help you secure your financial future through trusted advice. It’s important for us to be transparent about how much our services cost.

The service provided by our advisers, and the advice they give will be designed specifically for you. Therefore, the advice fee you’ll pay will be tailored to your own personal circumstances. At your free initial consultation, we will work with you to understand your needs, give you a clear explanation of the charges, how much you will pay, what service you are paying for, and when you need to pay.

For further information about fees please speak with your adviser who will provide you with a copy of Quilter Financial Advisers Terms of Business.

There are two options:

	Investment type / Service	Fee amount
Option 1: A percentage of the investment or transfer amount	Investing or transferring a sum of money	Our initial fees range from 0% to 4%, with clients typically paying between 1% and 3% of the sum invested, depending on the complexity of the advice given. All investments require a certain amount of work, therefore the percentage you pay will typically be higher for smaller investments than larger ones.
Option 2: An agreed fixed fee	In some circumstances it will be appropriate to charge a fixed fee for our advice and the work involved to prepare a recommendation or review report	Fees, scope of work and desired output will be agreed upfront.*

*We offer three levels of financial reviews, starting at £750. Please speak with your financial adviser who will provide you with full details of all fixed price services available.

Our ongoing fee is between 0.6% and 0.95% of the sum invested. What you pay will depend on the amount you’ve invested with us.
All investments require a certain amount of work, therefore the percentage you pay will typically be higher for smaller investments than larger ones
You can also add or enhance levels of service if you feel appropriate.

You are under no obligation to pay for ongoing service unless you and your adviser feel that it offers you fair value and absolutely supports your financial planning needs. For further information about fees please speak with your adviser who will provide you with a copy of Quilter Financial Advisers Terms of Business.

When you make an investment, there will be costs involved which will impact on your investment returns. These costs typically include the platform charge, and the fund managers charge. Your personalised illustration will clearly show the actual costs that will apply to your investment.

Example

Here’s an example. This new client invested £200,000 into Quilter’s Collective Retirement Account (a personal pension), and the funds were invested in the Quilter Investors Wealth Select Blend 5 portfolio. The agreed initial fee was set at 2% and the ongoing fee at 0.7%. Our calculations assume that the value of the client’s investment remains constant at £200,000.

The actual fee amounts you pay will change based on the value of your investments and the funds you choose to invest in, and whether you are a new or existing client.

First year:

Fee type	Percentage amount	Monetary amount
Advice initial fee*	2%	£4,000
Advice ongoing fee	0.7%	£1,500
Quilter Platform charge**	0.23%	£460
Investment charge: Wealth Select Blend 5***	0.59%	£1,180
Total cost in first year	3.52%	£7,040

In future years:

Fee type	Percentage amount	Monetary amount
Total ongoing yearly cost	1.52%	£3,040

The total ongoing yearly cost consists of the ongoing advice fee, and platform and investment charges.

* Our initial fees are on a stepped basis where the investment is set up on our wealth planning and review service.

** The Platform charge is for the servicing and administration of your investments, through which you can invest in a wide range of investment solutions.

*** The investment charge is made by the fund manager. It is the cost of investing in that particular investment funds and can vary between funds.

Investment and pensions advice costs

Your details

Initial fees

There are two options:

Ongoing fees

Other charges

Example

Registered office