Our charges for investment and pension-based planning work are typically applied at three key stages:

Stage 1:

Review and advice

Preparation of your financial planning advice, including all meetings, research and reports.

£575 (no VAT) payable upon satisfactory completion of the work.

Stage 2:

Plan implementation

Depending on the conclusions drawn during the financial planning (stage one) process, you may require advice on arranging a new financial product, or transferring your existing arrangements to more suitable plans. We research the whole of the market, make a personal recommendation and efficiently handle all the paperwork on your behalf.

A one-off fee equivalent to 1% of the sum invested (or transfer value), subject to a minimum fee of £1,500* and a maximum fee of £7,500.

* The minimum fee for specialist advice areas such as occupational pension transfers is £2,500.

Stage 3:

Ongoing service

We provide a bespoke review service, which is an opportunity to monitor progress and update your plans in line with your evolving circumstances.

0.5% per year of the value of the assets that we manage for you, subject to a minimum fee of £500 and a maximum fee of £5,000.

Our stage three ongoing service typically comprises of two categories:

Financial planning service

Utilisation of annual ISA allowances

Top-up ISA contributions

Top-up pension contributions

Periodic planning activities, such as:

  • Pension annual allowance and carry forward assessments
  • Pension lifetime allowance assessments
  • Inheritance tax assessments
  • Cashflow planning projects

An annual meeting provided upon request at no cost

Additional meetings provided at adviser’s discretion

Adviser available for ad-hoc telephone / email enquiries

A report addressing:

  • Risk profile matching
  • Performance – absolute terms
  • Performance – relative terms vs benchmarks
  • Cost effectiveness of product / investment strategy to market developments

Plan Money updating records with latest investment values

Financial monitoring service

Additional meetings provided at adviser’s discretion

Adviser available for ad-hoc telephone / email enquiries

A report addressing:

  • Risk profile matching
  • Performance – absolute terms
  • Performance – relative terms vs benchmarks
  • Cost effectiveness of product / investment strategy to market developments

Plan Money updating records with latest investment values

Mortgage-related fees

The review and advice service for a standard mortgage has a fee of £375. A buy-to-let or non-standard mortgage has a fee of £575. Equity release or bridging loans have a fee of £975.

These fees cover the initial assessment, research, and recommendation stage. The mortgage processing costs are covered via commission from the mortgage provider.