Our fee structure is built to be transparent and simple to understand. The fee you pay covers all of your financial planning, investment advice and ongoing support.

We are fully independent and not tied to any product provider and so we offer you a full service rather than sell you a product.

As we provide an advisory service our fees do not attract VAT.

Initial Financial Planning & Implementation

We charge an initial fee of 1% based upon the intended investment value of your FPC plan. This is subject to a minimum fee of £5,000.

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Example:

You have £800,000 to invest and you want us to take over the management of a number of pension arrangements totalling £400,000.

Our fee would be £12,000 with £3,000 paid on completion of your financial planning review and the balance of £9,000 payable once implementation is complete.

You then decide to invest a further £500,000 the following year. A further fee of 1% or £5,000 would apply.

Please note: No planning fee applies in the case of planned regular annual top-ups to ISAs or pensions.

Ongoing Financial Planning

We charge an ongoing fee of 1% based upon the investment value within your FPC plan. This is subject to a minimum fee of £5,000 per annum.

Fees may be adjusted in the event of significant economies of scale or to reflect the complexity of a case.

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Example:

You have £1m invested under our advice therefore our ongoing advice fee would be £10,000 per annum, typically paid via a £833 monthly payment directly from your investment holdings although fees can be paid personally if preferred or if more suitable from a tax planning perspective.

Please note: We do not receive any incentives, rebates or commissions from any investment or platform providers.

Similarly, although we actively engage with other professional advisers we do not have any formal or financial arrangements in place to refer work.

Other Services

In some situations, we find that clients need financial planning before they have capital available to invest. When we feel we can add value to you then we undertake project work and agree a fee in advance. In such cases VAT may become chargeable.

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Example:

A stand-alone financial planning review might attract a fixed project fee of between £2,000 – £10,000 depending on the complexity and extent of the review. VAT may apply.

A typical retainer for corporate consultancy might be in the range of £500 – £1,500 per month plus VAT.

Please note: Fees will be always agreed in advance.