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Our fees

We want to make sure that you are absolutely clear about what you are paying us for long before you instruct us to do any work for you.

Initial consultation

Our objective is to establish a fee structure that works for both of us. There are many different ways to pay for our services but we can’t recommend the best fee option for you until we know what help you need. That is why our initial consultation doesn’t cost you anything. We use it to determine what services you want and to help us to construct a transparent fee proposal that is tailored to your specific needs.

Clear and proportionate

You will always know how much you are paying for our services in advance of us delivering them, but to give you an idea you can expect the following fees for our most popular services:

Mortgages
If you ask us to apply for a mortgage for you, we will charge you £249. Once you receive a mortgage offer, we charge a further £299.

Investment, pensions and wealth planning
Click on the relevant advised service below to see indicative charges relating to new work

Financial Planning Report
Analysis and recommendation report: Minimum fee £500; Maximum fee £750

Financial Planning Implementation Fee
For the subsequent implementation of recommendations (subject to a minimum fee of £500):

  • First £100,000 at 1.5%
  • £100,000 – £500,000 at 1%
  • £500,000 – £1,000,000 at 0.5%
  • £1,000,000 – £2,000,000 at 0.25%
  • Over £2,000,000 at 0.1%
  • For example, a fee of £2,000 for the recommendation and implementation of a £20,000 ISA and £80,000 unit trust.
  • For example, a fee of £2,250 for the recommendation and implementation of a £100,000 EIS.

Personal Pension
Analysis and recommendation report: £500 (plus an additional £500 analysis per existing arrangement)

Implementation fee: As per Financial Planning Implementation Fee for new monies. Pension transfers – flat rate 0.5%

Pension Transfer in Divorce
Analysis and recommendation report: £500 (plus an additional £500 analysis per existing arrangement)

Implementation fee: As per Financial Planning Implementation Fee

Lifetime Allowance and/or Annual Allowance Report

Analysis and recommendation report: £1,500

  • For example, a fee of £2,000 for the analysis of two existing pension plans with a total value of £100,000 and the subsequent implementation of a pension transfer.

Analysis and recommendation report: £750

Implementation fee: As per recommended product

Initial analysis of your income, expenditure and existing investments followed by an analysis of your potential cashflows.

Minimum fee £750; Maximum fee £2,500

Analysis and recommendation report: £750

Implementation fee: 0.50% of fund value

For example, a fee of £900 for funds of £30,000.

Analysis and recommendation report: £750 for new monies; £250 for maturing plans

Implementation fee: 1.0% of fund value

For example, a fee of £1,050 for new funds of £30,000

£20,000 or less: no charge

For existing clients paying an ongoing advice fee over £2,500pa: no charge

For existing clients paying an ongoing advice fee below £2,500pa: a flat rate of 0.5%

Analysis and recommendation report: £750 plus lender procuration fee – the amount will be confirmed in the Key Features Illustration

Ongoing services
Depending on the level of support you need, our annual fees typically range between 0.5% and 1% of funds under management

Our fees in detail

Below are links to our Client Agreements. They set out our charging structure in detail.

Have a read of them prior to our initial consultation, but if you don’t have time, don’t worry, as we will take you through them in detail when we meet.

Free consultation

There is no charge for our first meeting. So why not contact us today to find out how we can help you take a step closer to living the life you want to live.

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The Financial Ombudsman Service (FOS) is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves