The detail follows below, but the headlines are simple.
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.
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:
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:
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% |
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.
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.
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.
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 or Tax advice. 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.
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