How it Works – Your options as client – Costs & Process

Whenever you invest new money or have help with one of our services, we will give you a complete breakdown of our fees and charges. Each product is priced differently depending on what your goals are, but we still offer very competitive rates.


All financial planning begins with an initial meeting; this is a no obligation meeting that is free of charge. What are you waiting for?

Service Levels

Over time your circumstances change, and with this your financial outlook also changes. What was important to you before might not be as important in the future. Our Service Options are designed to give you the flexibility to only pay for the services you need.


Each level pairs to a different fund selection to reflect the affordability of the underlying fund charges. Our On-Demand and Managed solutions are available regardless of your investment size, and clients can nominate to change their service level at any time. when your investment has grown beyond the recommended threshold we will contact you, but you are not obliged to move.

Basic

£12/ monthly

A great low-cost solution for those who are new to investing, or simply want access to Professionally selected funds.

  • Number of Fund Reviews
  • Recommended FUM ?
  • Face-to-face Meetings
  • Access to our Client Portal app

On Demand

0.5%/ annually

A great low-cost solution for those who are new to investing, or simply want access to Professionally selected funds.

  • Annual
  • £5,000-£50,000
  • 1 yearly

Bespoke

1.0%/ annually

A discretionary portfolio built and managed to you & your risk, exclusive to investors with over £250,000 to invest.

  • Weekly
  • £250,000+
  • As Required
Unless otherwise agreed our initial fee is always 1.0% of the lump sum/transfer being invested.
 

For example:


Task: New clients have an existing Investment Bond of £50,000 with Santander and want to contribute an additional £500 a month.

Process: After reviewing your circumstances, conducting research and confirming our recommendations with you, we set up the policy and communicate between yourself and the provider. On this we would take an initial fee of 1.00% (£500) with an ongoing fee of 1% paid annually (approximately £41.66 a month⁺). ⁺Representative figures only. The actual fee charged will vary depending upon how the investment performs and it will increase as the fund grows.
 

Hourly rate charging


If you would prefer to pay on an hourly basis, we can arrange this. As standard we would charge £125 an hour with an adviser, but this will be discussed with you on a case-by-case basis. We will recommend an hourly fee to you if we think this to be the most cost-effective solution for the services you require.

We will happily provide you with a free no obligation comparison of any existing policies you have!