Our fees
It’s our belief that great financial advice should be transparent, fair, and genuinely worth every penny. Here’s an honest overview of how we charge – and, more importantly, why the value you receive goes far beyond the fee.
Fair, transparent fees that put you first
As a team, we work incredibly hard to ensure our fees are competitive and reflect the quality of advice and service you receive. Everyone here is committed to making sure that every pound you invest in our services is a pound well spent. That’s why we always start with a free, no-obligation initial meeting.
Your first chat with us costs you nothing and commits you to nothing. It’s simply a chance to talk, to ask questions, and to decide whether we’re right for each other. It’s our hope that through this, you’ll get some value out of your relationship with us before any fees are discussed or agreed.
Services shaped around you
Because every client’s situation is different, we don’t believe in one-size-fits-all pricing. Your financial plan is built around you – and that means your fee is as well.
Our charging structure is straightforward and transparent. For initial advice, we typically charge a fixed fee based on the complexity of the work involved – this is agreed with you upfront, so there are no surprises.
For ongoing advice and service, we charge a percentage of the assets we manage on your behalf. Your adviser will always explain exactly what you’ll pay, and what you’ll receive in return, before you commit to anything.
Initial advice
What’s included:
- Agreeing your personal and financial objectives
- Assessing your attitude to risk and capacity for loss
- A thorough review of your existing plans, investments, and assets
- Research to identify the right solutions for your circumstances
- Tax planning, involving identifying opportunities to make better use of allowances and reliefs
- Cashflow modelling to illustrate the potential impact of key decisions on your future
- Coaching to help you develop your understanding of financial planning, so you can make better, more confident decisions
- A personalised written report with clear recommendations
- A face-to-face meeting to walk through those recommendations together
- Implementation of your agreed plan, involving liaising with third parties on your behalf and carrying out all related administration tasks
Ongoing support
What’s included:
- An annual review meeting with your adviser, followed by a summary of actions agreed
- A review of your goals, objectives, and any changes in your circumstances
- An up-to-date valuation of your investments and a review of how they’re invested
- Fund switches and rebalancing where needed
- Ongoing tax planning, involving making sure you continue to make full use of available allowances, including any changes in legislation
- Retirement income planning, involving advice on drawing from your plans as efficiently as possible
- A review of your investment platform to ensure it remains the best option for you
- A brief written report confirming any changes made
- Unlimited telephone and email access to your adviser, plus support from our administration team
- Ad hoc meetings and additional valuations on request
The real value of financial planning
It’s natural to focus on what financial advice costs. But it’s equally worth considering what it’s actually worth. Study after study has shown that people who work with a financial adviser end up wealthier – but also that they tend to be happier, more confident, and more in control of their lives too.
According to a 2025 report by Standard Life, 67% of people who use a financial adviser say they have a clear vision for what their life will look like in five years’ time. Among those without an adviser, that figure drops to just 39%. That’s not a small difference, but a radically improved relationship with your own future. And that, more than anything, is what we’re here to help you build.
Chartered Financial Planners
