Our charging structure is designed to be easy to understand and transparent, and is split into two categories:
All actual charges and fees (in pounds and pence) will be agreed with you before we do any work and we’ll explain your payment options too.
We are happy to have an initial meeting with you at no cost whatsoever. Such meetings are no-obligation, as you must make the final decision on what to do with your finances and who to get advice from. If you wish to take things further, the costs for reviewing your finances are as follows:
If you want to start new policies or add to existing ones, the costs are as follows:
Investments and pensions are charged differently, and are subject to what type of investing you are most comfortable with, but nonetheless are all capped at £40,000. Passive investments, which only use one underlying fund, are charged at 2.5% of the total funds invested/transferred. Active investments, which use a range of underlying funds, are charged on a tiered structure based on the percentage of funds invested or transferred:
|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 services are provided as a follow-on to initial services and can be cancelled at any time by informing us in writing. They are completely optional and can be started even if we did not setup your policies in the first place.
We offer three service packages, designed to provide support and periodic valuations and/or reviews for clients with money invested, to ensure their finances continue to be relevant to their circumstances at all times:
Before we provide you with any advice, we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information.
If you wish to see a copy of our Client Agreement, to see what services we can provide and what each service package includes, feel free to contact us.