Our Fees
We believe in being open, honest and transparent about our fees from the very beginning. That’s why we'll always explain any costs clearly, so you can make informed decisions with confidence.
Even before you decide to work with us, you can see exactly what fees may apply at each stage of your financial journey. There are no hidden charges or surprises, just clear pricing and a commitment to delivering real value for the advice and support you receive.
Initial Consultation Meeting
Our initial discovery meeting is always at our expense and gives us the opportunity to get to know you, understand your goals, and learn what matters most to you. It's also a chance for you to decide whether our services feel right for your needs. The meeting typically lasts around an hour.
We'll always keep things straightforward, with clear fees, honest advice, and great value.
Once we’ve explored the type of advice that's right for you, we’ll explain any costs clearly, including how and when any fees would be paid, so you can make an informed decision with complete confidence.
Transactional Advice
Transactional advice is ideal for one-off financial needs, such as setting up a pension or investing a lump sum.
We'll provide personalised advice tailored to your circumstances and designed to support your goals.
This service is focused on your immediate needs and doesn’t include ongoing reviews or proactive updates.
If you would like regular support and reviews in the future, you can upgrade to our Ongoing Advice Service at any time for an additional fee.
Focused Advice
Focused (or Limited) Advice is ideal when you need help with a specific financial matter or want advice tailored to a particular area of planning.
You can be confident that your adviser will always act in your best interests and will highlight any important considerations outside the agreed scope, where relevant.
This service does not include ongoing reviews or proactive updates. If you would like ongoing support in the future, you can upgrade to our Full Advice Service at any time for an additional fee.
Many clients choose to start with Focused Advice and later move to Full Advice for complete peace of mind.
Fixed Fee Example
A basic review and Suitability Report for one plan might cost around £750.
A more detailed review covering say, four plans, could be £1,500 or more.
If you choose to go ahead with our recommendations, there may be an additional fee.
In some cases, we may agree a fixed fee for part or all of the service, depending on your needs.
We’ll usually agree a fixed fee upfront if you choose Transactional and Focused Advice. Whilst we’re including examples, the actual cost will always depend on the complexity of your situation and the work needed. We’ll always explain our fee clearly and confirm everything in writing for you before we begin any chargeable work.
Financial Review & Recommendation Fee
This usually applies to Full Advice, reflecting the time, research and expertise needed in providing advice on larger portfolios.
We’re always happy to provide an estimate of any costs upfront. You’re also welcome to set a fee limit, which we won’t go over without your permission.
We’ll always explain our fees clearly before starting any chargeable work. These will also be confirmed in your Suitability Report and become payable once it’s provided - whether or not you choose to proceed.
In many cases, we can make things simpler by arranging for our fees to be deducted directly from your investments. Your adviser will let you know if this option is available to you.
Lump sum investments or transfers
The fee you pay is a percentage of your investment or transfer amount, applied as follows:
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Maximum of 3% of the investment / transfer value
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Subject to a minimum fee of £1,495
You’re welcome to pay this fee directly, or we may be able to arrange for our recommended product provider to deduct it once they receive your funds.
If we receive the payment, we’ll reduce your Financial Review & Recommendation charge by the same amount - so you won’t be charged twice for the same service.
Our Ongoing Advice Service
We believe in nurturing long-term relationships - not just offering you advice at the start. That’s why we provide an Ongoing Advice Service, designed to support you throughout your financial journey with regular reviews that keep your plans aligned with your evolving goals and needs.
Your adviser will explain recommendations clearly and set up a review process to ensure your arrangements remain suitable over time, whatever stage of life you’re at.
This service is entirely optional and not provided automatically. If you’d like to receive it, you’ll need to confirm this, along with how you’ll pay for it, by completing a Client Consent Form.
As part of this service, we’ll reach out each year to offer a review and confirm your financial arrangements remain suitable for you.
The typical cost of our ongoing advice service is 1% per year of the value of your investment portfolio.
Financial Review & Recommendation Fee Examples
Example 1
£50,000 to invest
If you invested £50,000, you would incur an initial fee of £2,000.
Ongoing Advice: £50,000 x 1% of your portfolio’s value = £500
Example 2
£100,000 to invest
If you invested £100,000 you would incur an initial fee of £4,000
Ongoing Advice: £100,000 x 1% of your portfolio’s value = £1,000
Example 3
£250,000 to invest
If you invested £250,000 you would incur an initial fee of £10,000
Ongoing Advice: £250,000 x 1% of your portfolio’s value = £2,500
Managing larger portfolios requires additional diligence and expertise to ensure your wealth is handled appropriately. Greater complexity brings increased responsibilities - such as tax planning, investment diversification, and long-term strategy, along with the extra time and specialist knowledge needed to deliver the right advice.
We keep it simple: clear fees, real value - always
We believe transparency and trust are key to strong client relationship. That’s why our fees are always clear, fair, and reflect the value we provide - through personalised advice, strategic planning, and ongoing support tailored to your own unique financial goals.
There are no hidden charges - just honest, straightforward communication about what you’re paying for and why.
We hope this has helped give you a clear picture of our initial charges and how we work. If you have any questions or would like to know more, please don’t hesitate to get in touch.
We’re always here to help - your peace of mind is our priority.