What Do We Charge?
Your initial consultation is at our expense and nothing will be due for payment unless it’s agreed with you in advance.
Typical Adviser Costs
£500 for a report covering a specific review or investigation
£1,000 for a comprehensive report covering multiple issues
Between £500 and £1,000 for a personal pension transfer analysis
£1,000 for a defined benefit triage service
Implementation Costs
These will apply if investing in new financial products or additional investments to existing pensions or investments.
| Investment Amount | Initial Charge |
|---|---|
| Up to £100,000 | Up to 3% |
| £100,001 to £250,000 | Up to 2.5% |
| £250,001 to £500,000 | Up to 2% |
| £500,001 to £1,000,000 | Up to 1.5% |
| £1,000,000 plus | Up to 1% |
Percentage rates depend on the size and complexity of the investments. High risk, “Defined Benefit” pension transfers and complex tax planning investments like “Enterprise Investment Schemes” can carry an additional charge of up to 1%.
VAT is also charged where appropriate.
Bespoke Advice Costs
If you receive advice with no financial transaction taking place, we charge by the hour.
For directors and financial advisers, this is £300+VAT per hour.
For other fee earners, we charge £100+VAT per hour.
Setting On Regular Contributions
There’s a flat rate charge of 3% for regular contributions to any investment product. This applies to the total contributions payable for the first 60 months with a minimum charge of £1,000.
Payments can be made through cheque or BACS.
Insurance Recommendation Costs
Insurance that has nothing to do with investments are charged on a commission basis, and you’ll always receive a quotation detailing all of our fees and the policy provider’s.
Regular Review Charges
Our ongoing fee is a maximum of 1% of the amount of funders under our management. This will depend on the size of your investment, review frequency, and the complexity of your situation.
As a rule, the larger the investment and more complex it is, the higher the fee is, but this will vary depending on your portfolio and we’re always upfront about costs in advance.
Other Fees
Implementation fees are applied to new products arranged within an existing portfolio, excluding ISA wrapping, on the same platform.
Fund switching is free and we’ll alert you to any additional charges associated with your new provider or fund manager.
We do not charge an exit fee on investments. If there are exit fees imposed by the provider or fund manager, we’ll let you know in advance.
Speak To Our Team
Our approach is purpose-built for you, no matter who you are and which financial service you need. With an excellent level of service and professional relationships that last for life, we ensure you receive the most suitable advice for your current situation and financial goals.