Our fees
With no hidden costs and a simple pricing structure, you’ll always know what you’re paying for.
In your best interests, always
We believe it’s important that you understand how we’re paid, right from the start. Openness matters to us, which is why we are upfront about the cost of our services. You’ll find our fees clearly outlined on our website, allowing you to understand the investment involved before making any decisions.
We recognise that working with a financial adviser is an important investment of both money and trust. Our responsibility is to ensure that investment delivers real value, through thoughtful advice, long‑term planning, and outcomes that genuinely matter to you.
That’s why we’re selective about who we work with. If we don’t feel we can make a meaningful difference to your financial position, we’ll tell you honestly and, where possible, support you towards an alternative course of action.
The cost of our services
We believe in transparency and keeping things simple. Our initial advice fee is fixed and based on the complexity of your situation and the time required to complete the work.
If we believe your circumstances require less of our time, we will reduce the fee to a minimum of:
£1,495.
Our standard fee: £2,995*
This covers the work involved in understanding your circumstances, developing your financial plan, and implementing our recommendations.
* For most clients, the fee is £2,995, which includes a review of up to two existing pension plans. Additional plans may incur an additional charge.
If your situation is more complex, such as involving inheritance tax planning, we apply an hourly rate on-top of our standard fee. Where this is the case, the total fee will be no more than:
£6,995.
Our ongoing partnership
Financial planning isn’t a one-time task – it’s an ongoing process that requires regular progress checks to make sure your plans stay on track.
We provide three levels of our ongoing partnership: Core, Core Plus, and Core Premium. The fee we charge is based on the amount of assets we look after and is on a tiered reducing basis.
Core
Our Core service is designed for clients with assets up to £350,000.
It includes:
- An annual Progress Check meeting to review your plans, current circumstances, and objectives.
- A consolidated annual report of your plans and investments within the scope of our advice.
- Recommendations for switching investment funds where suitable and beneficial for you.
- Written confirmation that your plans and investments remain suitable.
- Assistance with administration of your plans and support with any third-party providers as needed.
- Telephone and email access to your planner between scheduled Progress Check meetings.
- 15% initial fee discount if you require advice outside of these services.
- 5% initial fee family discount.
Core Plus
Our Core Plus ongoing service is designed for clients with assets between £350,000 and £1,000,000.
This includes all of the Core features plus:
- A detailed cashflow model to help you plan with confidence.
- Advice, support, and facilitation on “top-ups” to your investments.
- Advice, support, and facilitation on withdrawals (once per tax year).
- Engagement with your other professional advisers on your financial affairs.
- 30% initial fee discount if you require advice outside of these services.
- 15% initial fee family discount.
Core Premium
Our Core Premium ongoing service is designed for clients with assets over £1,000,000.
This includes all of the Core and Core Plus features, plus:
- Additional meetings beyond your Annual Progress Check meeting.
- A subscription to Zenplans – a digital estate planning tool, accessible to you and your family for when they need it most.
- 100% initial fee discount if you require advice outside of these services
- 50% initial fee family discount
Our ongoing service fee
The service levels we offer are based on the value of assets under our advice. As the value of your assets change over time, you will have the option of considering switching to alternate service levels available to you at your next annual progress check meeting. Our ongoing advice fees will be adjusted accordingly once a new service level is agreed.
| Value | Fee (%) |
|---|---|
| For the first £349,999 | 0.75% |
| The next £2,150,000 | 0.35% |
| The next £2,500,000 | 0.20% |
| Over £5,000,000 | No additional fee |
