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.

Stage 3:

Ongoing service

Experience shows that financial planning yields the largest rewards when carried out as an ongoing process, rather than simply a one-off event. From avoiding the common mistakes that negatively impact investor returns, to identifying new planning opportunities, our clients tell us that they value the reassurance that comes with knowing that their investment and pension plans are being professionally monitored and reviewed.

Financial Monitoring Service – 1% per year of the value of the assets that we manage for you, subject to a minimum fee of £750 and a maximum fee of £2,250.

Financial Planning Service – 0.50% per year of the value of the assets that we manage for you, subject to a minimum fee of £2,250 and a maximum fee of £7,500.

Our stage three ongoing service typically comprises of two categories:

Financial Planning Service

The Financial Planning Service has been created for clients who require regular financial planning advice in addition to the monitoring of their investments. It provides the opportunity to review progress against your goals and identify new opportunities in an Annual Financial Planning Review meeting. The service includes ongoing financial planning in areas such as planning for retirement, drawing a sustainable income, pension tax planning and inheritance tax planning, in addition to all the services provided in the Financial Monitoring Service.

 

Our Financial Planners aim to become your trusted adviser: someone who understands your financial goals and who you feel comfortable turning to for advice and guidance – or sometimes just a second opinion. From helping with life’s big decisions, to easing the burden of financial administration, your Financial Planner is on hand to help you make the most out of your life and money.

 

Please refer to our guide “What to expect when working with your Financial Planner” for full details of the services that we typically provide as part of the Financial Planning Service.

Financial Monitoring Service

Our Financial Monitoring Service aims to give you the confidence that comes with knowing that your plans remain on track, with regular reporting, ongoing suitability assessments and access to an experienced Financial Planner when needed.

 

Please refer to our guide “Ensuring your plans remain on track” for full details of the services that we typically provide as part of the Financial Monitoring Service.

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.