Our fees

We believe in being accountable and transparent. We can think of no better way to demonstrate that, than by making it clear how much we charge for our services.

It’s only right that you should know how much we charge, the services we provide and the value we deliver as soon as possible.

Why pay for ongoing financial planning & wealth management?

Financial planning involves finding a path through your life choices and financial decisions.

We think of it using the following formula:

Planning for your objectives × tax planning × investment returns after costs × regular review

= OUTCOME

Great financial planning requires all four elements, otherwise the outcome can equal zero.

Paying a financial planner on an ongoing basis will help ensure your plans stay on track.

Initial meeting

This is our opportunity to start getting to know each other. We’ll talk about your objectives, your current financial circumstances, and answer any questions you might have.

Choosing a financial planner, who will help carve out your financial future, is a big step. That’s why it’s important to know we will get along in the long term.

Our fee: No fee. We do not charge a fee for any initial meetings held at our office, nor are you under any obligation to engage us.

Financial planning review

The next step, after our initial meeting is the financial planning review. This service includes:

• Information-gathering

Once we’ve agreed to work together we’ll meet again and start talking specifics. We’ll gather as much information as possible about your financial life and talk in detail about your objectives, both of which will help us to develop your financial plan. At this stage we’ll also start to evaluate your appetite for investment risk.

• High-level proposals

We will spend time assessing your situation, looking at existing plans and mapping out potential routes forward. This will be the start of your financial plan. We will invite you for a meeting to discuss this and present the plan using visual financial planning software, making any changes needed, and agreeing the scope for the planning report, including the areas of focus and recommendations for implementation.

• Detailed proposals in writing

We will send you your financial plan. This will include the risks faced and the costs involved and should allow you to make an informed decision. We offer a further meeting if needed to discuss any questions and assist with any paperwork.

Our fee: £3,000 – This fee is due by invoice on completion of our initial financial planning service

Implementation

With your agreement we will then implement the changes recommended. This will involve dealing with any existing product providers in scope and arranging any new products needed. We will align your investments with your risk profile and preferences, as well as our investment philosophy.

The fee for this element of our service is tiered, and generally arranged to be paid via recommended solutions, although it can be settled by invoice if preferred.

Ongoing financial planning and wealth management

Once we have implemented our recommendations, we will arrange an annual financial planning and wealth management review, and continuing monitoring and oversight. In keeping with our open and transparent ethos this can be cancelled at any time without penalty.

This service is subject to a minimum annual fee of £1,650.

The fee for this element of our service is tiered, and generally arranged to be paid via recommended solutions, although it can be settled by invoice if preferred.

We recognise that needs vary significantly as investment amounts increase, and we price our services based on individual need for the investment tier in excess of £2,000,000.

Corporate Clients

We offer investment management and advice services to corporate clients as well as individuals. This includes Trustees of pension schemes and charities, as well as companies. Because of the unique nature of each engagement, we charge fees based on them individual circumstances presented.

How much will you pay?

To help you work out how much our fees will be for your own situation, we have shown three possible scenarios and built a calculator which allows you to input your own figures.