At Apex CB Financial Planning, we believe in transparent, fair, and value-for-money pricing. Our fees reflect the professional qualifications, regulatory standards, and personalised service we provide, ensuring your financial planning is both expert and accountable.
We will always agree fees with you in advance—there are no hidden charges.
Initial Advice & Implementation Fees
For investments and pension lump sums or transfers, our charges are based on the amount you ask us to invest:
| Investment Amount | Initial Charge | Example | Minimum Charge |
|---|---|---|---|
| £0 – £149,999 | 2.0% | £200 per £10,000 | £700 |
| £150,000 – £299,999 | 0.5% | £50 per £10,000 | —————————— |
| £300,000 – £1,000,000 | 0.4% | £40 per £10,000 | —————————— |
| £1,000,000+ | 0.25% | £25 per £10,000 | —————————— |
Other Services & Fixed Fees
For investments and pension lump sums or transfers, our charges are based on the amount you ask us to invest:
| Service | Fee |
|---|---|
| Life Assurance | Full commission from provider, min. £500 |
| Regular pension/savings contributions | £350 (payable in advance or from first 12 months’ contributions) |
| Annuity purchase | 2% of value (min. £600) |
| Unsecured pension (drawdown) & income planning | £500 fixed fee |
| Lasting Power of Attorney | £250 per document + court fees |
| Hourly Rates |
|---|
| Director / Financial Adviser: £220 per hour |
| Adviser Support: £125 per hour |
| Example Costs |
|---|
| Review meeting with valuation – £565 (2 hours adviser + 1 hour admin) |
| Death claim for probate – £375 (3 hours admin) |
Light Service
Basic plan administration, access to an adviser (charged separately), and essential updates.
Typical admin charges include:
- Valuation summary – £125
- Review meeting – £500
- Policy surrender – £125
Comprehensive Service
Annual review meeting, full plan review, risk profiling, and investment monitoring. Charged as a percentage of funds under advice:
- First £250,000: 1.0% p.a. (min. £600)
- £250,001 – £500,000: 0.4% p.a.
- £500,001 – £1,000,000: 0.3% p.a.
- Over £1m: 0.25% p.a.
Pension drawdown management: +£500 p.a.
Why Our Charges Represent Value
If you would like a personalised quote for your situation, please call us on 01202 622223 or use our online enquiry form.