As Chartered Financial Planners, we have a clear, simple fee charging structure that is always agreed with our clients prior to any work commencing.

All of our team are salaried, with no incentives for “selling” specific financial products. This leaves us to focus solely on the most important thing of all, managing your wealth and meeting your goals and aspirations.

Initial meeting

If you contact us for an initial meeting, it will be at our expense and will include meeting notes to summarise the main points discussed. We have a policy to only allow people to make decisions after the meeting, having read the notes, to remove any feelings of undue obligation or anxiety when considering our recommendations.

Financial forecasting exercise

Where you request this service, as an indication the fee will usually be between £750 and £2,000 although the actual price quoted will depend on the complexity of your financial affairs and the work involved. The scope of this will be agreed with you before any work is undertaken.

Advice and implementation of our recommendation

Where you wish for us to provide advice on a financial product and then implement our recommendation we charge for this based on the complexity of the work, the time involved and the seniority of our employee completing different aspects of the work.

This will be calculated as a “project fee” based on our hourly rates. The cost of this will be notified to you in writing for your agreement before any work is undertaken (It may also be stated as a percentage of the investment amount). This typically covers:

  • A full evaluation of your current financial position, objectives and available solutions including your attitude to investment risk and capacity for loss;
  • All meetings leading up to the advice that we will provide you with;
  • Issuing a Financial Planning Report containing detailed advice and recommendations;
  • Handling all paperwork relating to the implementation of the investments/pensions; and
  • Compliance / regulatory work.

Ongoing advice and service charges

Between 0.50 – 1% per year of the ongoing value of the investments / pensions that we have recommended and implemented. The specific percentage that you will pay between these points will depend on the nature and size of the investment and will be notified in writing and agreed with you ahead of any transaction being placed.

Life cover and other protection products

Insurance companies providing these policies will pay commission directly to us for policies written. We will advise you of the amount of commission that the life company will pay us.