Financial Advice Fees - What We Charge and How
Financial advice should be clear about what it costs and what you receive in return. We believe you should understand our fees, how they are charged and the service they cover before you decide to proceed. That's why we set everything out clearly on this page, so you can understand the costs involved and the value of the service we provide from the outset.
Initial advice fee
We charge an initial advice fee for the planning and recommendation work involved in understanding your circumstances and developing our recommendations. Our initial advice fee between 1% - 2% of the assets on which we are advising, although the actual fee will depend on the complexity of your circumstances and the work required. We will confirm and agree the exact fee with you in writing before any chargeable work begins.
Complexity Level
Examples
Adviser Charge
ISAs, ISA transfers, simplified investment planning
Simplified
1.0%
Standard
Pensions, Pension Transfers/Multiple Plan Transfer. Comprehensive investment planning
1.50%
Complex
Advising across multiple tax wrappers, complex investment structures & tax planning strategies
2.0%
Ongoing adviser charge
Our ongoing charge covers the continuing relationship — The Planning Session, regular reviews, and support whenever you need it. It is calculated as a percentage of the assets we look after on your behalf, and reduces as your wealth grows.
Assets under management
Annual charge
Up to £500,000
0.75%
£500,001 – £999,999
0.70%
£1,000,000 – £1,999,999
0.60%
£2,000,000+
0.50%
Protection
Protection advice works differently. Where we arrange cover on your behalf, we are paid by commission from the provider rather than charging a separate fee. This is always disclosed to you clearly before any recommendation is made.