How much it costs
We’re not afraid to break the mould, but always with purpose. Our fee structure is thoughtfully designed to put you first, aligning with your unique circumstances.
Breaking down the numbers
We’ve built our fee structure around one simple belief: your financial plan should be bespoke to you. Therefore, our pricing approach is flexible and adaptable, focusing on the time, complexity, and unique challenges of your specific situation.
We’ve designed our pricing to be fair and transparent. Each client pays for the specific services they need, ensuring everyone gets value regardless of their level of wealth.
Fair fees, no fluff
Our fees are bespoke to fit your needs and circumstances, ensuring you only pay for the service you actually need and aren’t shoehorned into a percentage-based model that is rolled out for all clients. If you’d like a ballpark figure and further information, just get in touch for a chat.
Initial cost
What you’ll pay: A fixed fee based on the time, complexity and value of the work involved
Once we have understood your needs, requirements, position and the work we need to complete, we will calculate our initial advice fee. This is a single charge that covers all initial advice and work up to and including implementation, provided to you in writing for your agreement before any work is carried out.
Here’s what we’ll do for you:
- Help you understand your current financial situation
- Identify objectives and shortfalls
- Understand what risks feel comfortable for you
- Map out a financial plan just for you
- Create an investment approach that fits your life
- Make switching or adding financial products smooth with our administrative support.
A couple of things to keep in mind…
If you confirm your agreement to this proposal but do not implement the recommendations, then 50% of the initial fee will be payable to cover the cost of our time and expertise.
Normally all our services are, unless otherwise stated, exempt from VAT. We will tell you if you have to pay VAT.
Ongoing cost
What you’ll pay: An ongoing financial planning fee, plus where relevant, an investment oversight fee
Building a financial plan is the first step but maintaining and adapting the plan is where some of the most important work lies.
Most financial planners and advisers charge clients on an “assets-under-management” percentage. We feel this is unfair and leads to many clients overpaying and some not paying enough. Therefore, we separate our ongoing cost into: “Financial planning” and “Investment oversight” services. We do this so you can see what you are paying and how much is paid for each service.
This charging structure also enables us to provide an appropriate level of professional advice and guidance to clients who wish to manage their own investments.
Here’s what we’ll do for you:
- Keep your financial plan fresh and up to date
- Utilise various tax allowances
- Provide full-time access to your financial planner
- Coordinate with all your trusted professionals
- Produce an annual valuation showing how your investments are doing
- Keep you updated via regular correspondence and newsletters.
- Offer a yearly check-in to talk about your money goals and ensure your financial products still fit your life
The ongoing fee will be provided in writing in advance of any work being carried out.
Ongoing financial planning fee
What you’ll pay: This is a fixed, annual (payable monthly) fee based on the time, complexity and value of the financial planning service/advice required.
We realise that complexity and value can be subjective. Our approach is personalised, so standard examples don’t always capture the full picture. But we base our pricing on factors like whether you…
- Are a business owner
- Have multiple sources of income
- Need cross-jurisdictional advice
- Have complex tax affairs
- Need trust involvement
- Require Inheritance Tax advice
- Own multiple properties
- Have multiple financial products
- Have existing high-risk investments
- Require fellow professional involvement
- Require pension drawdown now or shortly
- Need intergenerational wealth advice.
What you can count on us for
Getting to know you, your family, your values, your business and what makes you tick
Planning for your future
Working with you to achieve your objectives – we aim to collaborate with you and not dictate
Communicating with you on matters important to you
Guiding and counselling you towards good, sound decisions
Helping you avoid costly mistakes
What you’ll never get from us
Finding you the next hot stock or fund
Panicking when the stock market falls (which will happen from time to time)
Trying to time the markets – because this is impossible
Fuelling the fire or adding to the industry and media noise around geopolitical events
Providing advice based on speculation – sometimes it can be tempting to “guess” about regulatory or tax changes, but we know this can cause more harm than good