Our Charges
Our fee structure is designed to be transparent and straightforward, so you know exactly what you are paying; categorised into two distinct areas:
Initial Charges
These cover the costs associated with the initial implementation of our services. We offer a range of initial service options tailored to your specific requirements and based upon the products being advised upon.
Ongoing Charges
Once your financial plan is established and products in place, it is essential to conduct regular reviews to ensure they remain aligned with your evolving circumstances. Our ongoing service packages are designed to facilitate this continuous support.
Initial Charges
We are happy to hold initial, no-obligation meetings with clients prior to making any recommendations, to let them understand what is possible and equally, what is not.
If you then want to progress matters, the costs involved are as follows:
Policy Applications
The charges for establishing new policies or adding to existing ones are as follows:
Existing Policy Review
A flat fee of £500 (waived if you become a client subscribing to an ongoing service).
Detailed Financial Planning Report
A flat fee of £1,000 (waived if you become a client subscribing to an ongoing service).
Defined Benefit Pension Initial Review
Also known as Abridged Advice where only basic information and advice is provided, a flat fee of £250. This will be deducted from a future service charge if proceeding to Full Advice (see below).
Annuities
2% of the total pension(s) value prior to annuity purchase, capped at £25,000.
Protection/Insurance
We will be paid by commission from the insurer(s) used, which will be capped at £30,000.
Residential Mortgages
For Standard Residential Mortgages, A fee of 0.5% of the loan amount involved, subject to a minimum fee of £195 and a maximum fee of £1,000, based on case complexity and payable upon application. We will also be paid a procuration fee from the lender(s) used.
For Adverse Credit Lending, 1% of the loan amount involved, subject to a minimum fee of £595 and a maximum fee of £2,000.
We will also receive a procuration fee from the mortgage lender.
Buy to Let Mortgages
A fee of 0.75% of the loan amount involved, subject to a minimum fee of £395 and a maximum fee of £1,500, based on case complexity and payable upon application. We will also receive a procuration fee from the mortgage lender.
Equity Release
A fee of 1% of the loan amount involved, subject to a minimum fee of £595 and a maximum fee of £2,000, based on case complexity and payable upon application. We will also receive a procuration fee from the mortgage lender.
Investments and Pensions (Corporate Entities)
For setting up a group scheme, a one-off fee will be calculated at outset based on the size and complexity of your business. This will always be fair, clear and discussed with you prior to proceeding with any work.
Investments and Pensions (Individuals)
The charging of investment and pension work is different from the above and are subject to what type of investing you are undertaking; all being capped at £25,000, and payable once money is added to the plan(s) in question.
Passive investments only contain one underlying fund and are charged at 2.5% of the total investment amount.
Investments undertaken via a Discretionary Fund Manager (DFM) are charged at 3% of the total investment amount, subject to a minimum fee of £1,000+VAT. The DFM will also have their own charges over and above this.
Active investments use a range of underlying funds, either grouped into a model or held as separate funds, and are charged on a tiered basis, again on a percentage basis of the total investment amount:
| Amount Invested | Investment Charge |
| Initial £1 – £150,000 | 3% |
| Next £150,001 – £300,000 | 2.75% |
| Next £300,001 – £500,000 | 2.5% |
| Next £500,001 – £1,000,000 | 2% |
| Any further money | 1.5% |
Ongoing Charges
Our ongoing service packages are designed to ensure your financial strategy remains perfectly aligned with your evolving goals. These services are entirely optional and can be initiated at any time, even if we did not establish your original policies. Should your needs change, you may cancel these services at any time by providing written notice.
We believe in complete financial transparency. Before providing any advice, we will present you with a clear breakdown of all associated costs and charges, ensuring you have a comprehensive understanding of our fees.
To provide you with peace of mind, all our service packages are subject to an annual fee cap of £18,000. Fees may be settled on a monthly, quarterly, or annual basis, according to your preference.
We offer three distinct service tiers, each providing dedicated support, periodic valuations, and strategic reviews to keep your investments on track:
Platinum Service Package
1.2% per annum of total funds invested.
Gold Service Package
1.0% per annum of total funds invested.
Silver Service Package
0.75% per annum of total funds invested.