Pricing

Initial discussion: Free

An initial discussion generally takes place over the phone and allows us to quickly understand how we can help you.

Initial consultation: Free

Following on from our initial discussion and if we feel that our services match your requirements, we will set up a more in-depth consultation. At this stage there is no obligation to proceed further.

Retirement planning, investment review and setting up of any new arrangements: £2,500 including review of up to 4 existing plans. Further £400 for each additional plan reviewed.

Our initial advice fee is usually fixed at £2,500 per person or couple irrespective of the amount invested, including a review of up to 4 existing plans. Each additional plan reviewed is an extra £400. Once you advise that you wish to proceed, we will provide you with the full details of the services that we will deliver and all associated costs. There is no fee until you advise us that you wish to engage with our services.

We typically provide:

• Full consultation to understand your current situation and key objectives
• Financial plan using cashflow modelling
• Risk profiling exercise to ensure that where possible, your investments risks are mitigated
• Review and summary of existing pensions and investments
• Briefing document which summarises your current position and recommendations to improve this
• Meeting to discuss and review you opportunities and review our proposals
• Once you are happy we will make the necessary changes to your portfolio and set up any new plans
• We will send you a report detailing our recommendations

Ongoing management services fee: 1% per annum for the first £600,000 of assets under management. A reduced percentage charge above this.

Our ongoing fee ensures that as your circumstances, investment conditions and performance of investments change, your portfolio is always working for you.

We spend time managing your investment and pension portfolios, whilst also offering advice when we feel that adjustments are required to get the most from your savings, all the while ensuring that your financial goals are kept on track. We will review your financial plan to make sure that you are getting the most from your pension and ISA allowances each year.

As an independent financial advisory, we never take commission for investment or retirement planning advice and there is no additional fee when your investments are changed or switched.

We are more than happy to answer any questions you have, this can be done either by phone, email or face to face meetings.

You can cancel the ongoing management fee at any time.

Paying the ongoing management fee

The 1% fee for managing your total funds is taken directly from your investment pot. That way the fee is directly linked to the success in growing your wealth.

To explain our fees further, if we manage £100,000 then you pay £1,000 per annum. Our fee is only taken from the investments that we manage. For example, we are always happy to provide information on the best bank rates but as we do not manage this element of your investments, there are no management fees.

With the fee taken from your pension (or even part of them) we can make paying our fee as tax-friendly as possible. This is because the fee will be paid from an account that has enjoyed tax relief.

What is not included within our fee

The following services are not included within the ongoing management fee:

Advice on transfers from final salary/defined benefit pensions: As this is not a service that we provide, we will introduce to you a specialist firm who can give you this advice.

Trust-based investment advice: We are happy to provide you with a personal quote but the level of work required varies greatly between different situations and circumstances.

Insurance recommendations: For the most part, the cost of our advice is covered within the premiums that you pay. However, we can bill this directly if you wish.