Our Fees

We believe in being completely transparent to our clients from day one. That’s why it’s important for us to disclose our fees at the early stages. Even before you enquire about our services, you’ll be able to see below what fees we charge for every stage of your financial roadmap.

Discovery Meeting

Held at our expense, our initial discovery meeting is held to understand your needs and goals, and to mutually agree that our services are right for you going forward. This meeting usually lasts for around one hour.

We keep it simple, clear fees, real value – always.

Once you’ve found the type of advice that’s right for you, we’ll walk you through what it might cost, how you can pay, and when payment will be due.

Initial Consultation Meeting

This meeting is all about you. We’re here to listen, and understand what truly matters - your goals, priorities and ambitions.

You’ll be able to talk through anything on your mind – whether it’s a challenge, a concern, or something you’d simply like guidance on. We’re here to listen, support and help you find the right way forward.

We’ll ask a few thoughtful questions to help you reflect on what matters most, so we can tailor our support to you for your life, not just your finances.

By the end of your meeting, you’ll have a clear sense of how we can support you, what your adviser’s service will offer you and how much it will cost – giving you greater confidence and clarity moving forward.

Your initial consultation is completely free of charge. It usually lasts around an hour, and there’s absolutely no obligation to proceed unless you feel it’s the right step for you. We’re here to provide clarity and support, so you can make decisions at your own pace.

Our Fees will differ depending on the type of advice you need, which in turn will determine the amount of work and research needed.

Transactional Advice

Transactional advice is ideal for one-off financial needs, such as setting up a pension or investing a lump sum.

Our advice is always tailored to your circumstances and will always be in your best interests.

Please note: this service doesn’t include ongoing reviews or proactive updates unless you specifically request them.

If you’d prefer regular support, you can upgrade to our Ongoing Advice Service at any time. This includes ongoing reviews and updates and carries an additional fee.

Focused Advice

Focused Advice (also known as Limited Advice) is ideal for specific financial needs or when working within a budget.

Your adviser will always act in your best interests and highlight and important areas not covered – such as potential Inheritance Tax issues – even if they’re outside the scope of the advice.

This service doesn’t include ongoing reviews unless requested, which would involve an additional fee.

Many clients begin with Focused Advice and later choose to upgrade 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:

Maximum of 4% of the investment / transfer value
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 = £5,000

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.