Investments and pensions advice costs

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 majority of our advisers set their own fees so the fees outlined below represent the maximum possible charge. 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.

You will not pay anything until you have agreed how and what you will pay. You can choose whether you prefer to pay for one-off advice, or take up our offer of ongoing advice as well. You can also consider different payment options.

Types of fees

Lump sums

Our typical initial fee is 3% of the sum invested, but may vary depending on the complexity of the advice given. For an investment of:

£75,000 would be £3,000
£175,000 would be £6,250

All investments, no matter how small, require a certain amount of work, therefore the fee will typically be higher, as a percentage of the amount invested, for smaller investments than larger ones.

We offer a range of advice services at fixed rates, set after an initial consultation. Full details of all fixed price services available will be provided on request, but our typical fees for two levels of financial review are:

Full Financial Review - £3,000

A fully documented review of your assets and liabilities and net worth; current and projected income and expenses (i.e. projected into retirement); insurance policies, retirement provision and other investments, including an analysis of current product and fund features and estimated inheritance tax liabilities with generic recommendations to meet your broad financial objectives.

Basic Financial Review - £1,250

A simple documented review of current arrangements in relation to your objectives, orientated to meet a particular need (such as retirement income) with generic recommendations.

Single Regular Premium Investment or Pension - £750

For a single regular premium investment or regular premium pension arrangement.

We offer different levels of ongoing advice services, each one carrying a different cost. You can if you wish, add or enhance levels of service if you feel appropriate.

Exclusive

Where clients’ portfolios grow in terms of value, and potentially in complexity, they need to be managed and reviewed appropriately. Building on our annual review services, this offering includes more frequent reviews and opportunities to ensure clients are kept informed of performance, so plans can be maintained in line with each client’s circumstances and objectives. This may well include consultations with other specialist advisers.

For an example, your investments are valued at £500,000, our fee is 0.6%

Therefore, the annual payment to us will be £3,000

Established

A comprehensive service, typically annual review service aimed at analysis, recommendation and implementation work in line with a client’s immediate needs. With ongoing review and recommendation, this is a service to adapt to a client’s changing needs and circumstances.

For an example, your investments are valued at £250,000, our fee is 0.75%

Therefore, the annual payment to us will be £1,875

Essential

A straightforward advice service typically centered on immediate client issues and needs that may require analysis and recommendations. Ongoing reviews are typically delivered remotely and via advisory updates, to maintain client awareness and peace of mind.

For an example, your investments are valued at £100,000, our fee is 0.95%

Therefore, the annual payment to us will be £950

The typical minimum fee for the provision of our ongoing advice service is £550.

All services include a review, it is simply the style and frequency that varies, all of which will be discussed with you during your free initial consultation.

At a review, we will cover:

Assessment of personal circumstances
Review of your goals and objectives
Reassessment of your attitude to investment risk/return and market sectors (asset allocation)
Review of investment performance and holdings
Valuations and investment commentary
Where appropriate, recommendations in order to keep your new / existing plans in line with your objectives

Please note that as the fee is based the investment value, the actual amount we received will increase (or decrease) in proportion to any increase (or decrease) in the value of your portfolio.

Investments and pensions advice costs

Types of fees

Percentage of amount invested

Lump sums

Fixed rates

Ongoing services and fees

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