Our Charges

 
 

transparent fee structure

We believe in providing transparent and trustworthy independent financial advice. We understand that fees are an important consideration for our clients, which is why we want to be upfront and clear about our pricing structure.

Before we begin any work, we will provide you with a detailed breakdown of the fees involved, so that you know exactly what to expect. This means no hidden costs, and no surprises.

Our charges are 1% of your initial investment and we then charge 1% of your total investments on an ongoing basis.

For these fees, we provide independent financial advice that is free from any conflicts of interest. We do not receive commission from any financial products, and we do not have any ties to specific financial institutions. This means that our advice is always in your best interest.

We support your financial planning with:

  • Access to platforms and investment products only available to IFAs

  • SOLLA Accredited Adviser with specialist ‘later life’ financial planning training

  • Access to estate planning facilities – we can also arrange Wills, LPAs and probate so you can keep everything organised under one roof

  • Peace of mind knowing our team are here in the office and available on the phone to assist you with any queries and advice

  • Holistic approach to planning with you and your family, we’re here for all of it, not just transactional

The information below outlines every step of the process of becoming a client, the work we carry out for you and which parts incur a charge:

  • • Introductory call with a financial adviser.

    • A 1-hour fact finding meeting with a financial adviser.

    • Information provided about how we can help you and offering of services provided.

    • Signposting to other areas of support/guidance that may be relevant.

    • Understand your investment knowledge and attitude and tolerance to risk.

    No charge

  • • Carry out extensive due diligence on product and platform providers.

    • Access to advised only platforms/products, not available to non-advised clients.

    • Continued technical expertise of later life investments.

    • Recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings, and preparation of advice recommendations for you.

    • Provide a holistic approach of all later life needs, including (but not limited to); investment planning, long-term care planning, pension planning, IHT planning, Wills, POAs and Probate assistance.

    No charge (at our discretion)

  • • Handle all fund and policy administration on your behalf.

    • Provide regular updates to keep you informed of progress.

    • Access to our secure client portal, where you can send messages securely, receive and send documents, and have up to date access to your financial portfolio.

    1% of the assets we are advising on (capped at £5,000)

  • • Annual financial review, including a full update of your current financial situation, full valuation of assets, review of performance, assess any changes necessary, tax planning, upkeep of your financial records. This is then all summarised in a suitability report sent post meeting.

    • Access to technical expertise, ongoing due diligence findings

    • Liaison with other professionals if required.

    • Access to our secure client portal.

    • On-going administrative support

    • Regular newsletters with our news and information on local events and community engagement.

    • Open contact with our office staff – always on the end of the phone, or welcoming faces in our office.

    • Ad hoc support from office staff and financial adviser(s) when you require.

    1% of assets under advice per annum (paid monthly)

Please note, the fees outlined above relate to investment advice only, not Wills, POAs or Probate, which have a separate fee structure. There may be additional platform fees to pay depending on where you choose to invest but all fees will be clearly stated and explained during the recommendation meeting.

All our fees are clearly stated in our client agreement which you will receive ahead of the implementation of any recommendation and in all advice reports.

If you have any questions about our charges or would like to know more about any of our services, please don’t hesitate to get in touch.