Three things to know about our fees
The detail follows below, but the headlines are simple.
- Your first conversation is free. No charge, no obligation, and no recommendations made.
- If we go further, the initial review fee is £995, refundable. If you decide to act on our recommendations, we waive this charge in part or in full.
- Ongoing service is 1% a year of investments under our care, with a minimum and a cap that depends on the service level you choose.
We accept fees by card, bank transfer or cheque. Most clients prefer to pay through the platform that holds their investments, which we can arrange. We do not accept cash.
Full document
Costs & Charges (PDF)
The complete fee schedule, in writing, for prospective clients and their advisers.
Initial consultation, free
Your first meeting with us is free. There is no obligation, no recommendations made and no products discussed. The aim is to understand your situation and decide together whether we are the right fit.
In the conversation we will:
- Ask about your current financial arrangements
- Understand your goals and what you want to achieve
- Discuss your investment knowledge and how you feel about risk
- Confirm how we could support you, and what the next steps would be
Full financial review and recommendation
If you decide to take things further, we prepare a detailed review of your finances and a written set of recommendations tailored to your circumstances.
This includes:
- Reviewing your existing arrangements
- Modelling your investment strategy against your goals and your risk profile
- Assessing whether existing holdings are still suitable
- A written report explaining everything we recommend and why
- A meeting to walk you through it in detail
Putting the plan in place
If you proceed with our recommendations, we charge a tiered fee based on the amount being invested. The percentage drops as the amount goes up.
| Amount invested | Fee on this band |
|---|---|
| The first £249,999 | 3% |
| £250,000 to £499,999 | 2% |
| £500,000 and above | 1% |
Worked examples
The fee is applied band by band, not to the whole amount. So a £400,000 investment is charged 3% on the first £249,999 and 2% on the next £150,001.
| Existing investments with us | New money to invest | Total initial fee |
|---|---|---|
| £0 | £200,000 | £6,000 |
| £100,000 | £200,000 | £5,500 |
| £400,000 | £200,000 | £3,000 |
You can pay this fee directly, or have it deducted from the investment on day one. Both options are explained in writing before anything goes ahead.
Ongoing service
Most clients want a continuing relationship rather than a one-off review. We offer five ongoing service levels. The annual fee is 1% of the value of investments under our care, with a minimum and a cap that depend on the level you choose.
- Annual contact to review your situation
- Access to client portal and direct provider updates
- Access to low-cost passive investment options
- Centralised support team
- One financial planning meeting per year
- Full cash flow planning and review
- Dedicated adviser support
- Ad-hoc advice included
- Access to actively managed portfolios
- One face-to-face meeting per year, plus more by request
- Two financial review reports per year
- Dedicated adviser and support team
- Full cash flow planning and quarterly market updates
- Access to tax planning investment solutions
- Multiple face-to-face meetings per year
- Two financial review reports per year
- Reporting from investment analysts
- Group company referrals included up to £500
- Access to bespoke-built investment portfolios
- Unlimited financial planning meetings
- Two financial review reports per year
- Family tax and legacy planning review
- Direct meetings with fund managers
- Group company referrals included up to £1,000
We will recommend the level that best suits the work involved and the value of investments under our care. You can change levels later as your circumstances change.
Note: if you are already drawing income from a pension, the minimum level is Financial Planning.
How we charge for protection advice
Protection products such as life cover, critical illness and income protection are usually paid for through commission from the insurer rather than a fee from you. We will always tell you the amount of commission we will receive before any policy is put in place.
You do not pay anything upfront for protection advice, but the cost of the commission is built into the premiums you pay. Where this applies, we explain it in your suitability report along with the maximum we could reclaim from you and the timescale in which we could do so.
VAT. Our advice fees are usually exempt from VAT. Where VAT applies, we will tell you in advance and include it in any quote.
Important. The Financial Conduct Authority does not regulate Wills, Trusts, Tax advice or Cash Flow Planning. The value of your investments can go down as well as up, so you could get back less than you invested. The figures above are illustrative. Your own fees will be confirmed in writing in our client agreement and suitability report before any work is undertaken.
Talk to us before committing to anything
The first conversation is free. We will give you a clear sense of what an engagement might cost, and you can decide whether to take it further from there.
Book a free initial conversation