Our Charges

Initial advice charges

Investments, Pensions & Lump Sum Transfers

Charges are tiered, like tax bands — each portion of your investment is charged at its own band’s rate, not the whole amount at a single rate.

Initial advice charges by investment band
Investment band	Rate on this slice
The first £149,999	2%Min. £700 e.g. £200 per £10,000 of this slice
The next £150,000 (£150,000–£299,999)	0.5% e.g. £50 per £10,000 of this slice
The next £700,000 (£300,000–£1,000,000)	0.4% e.g. £40 per £10,000 of this slice
Above £1,000,000	0.25% e.g. £25 per £10,000 of this slice

Worked example — £200,000 invested: 2% on the first £149,999 (≈£3,000), plus 0.5% on the remaining £50,001 (≈£250) — a total of approximately £3,250.

Figures are illustrative examples of our standard charging structure. Your own charges will always be confirmed with you in writing before any work begins.

Other services

Additional Advice & Planning Charges

Beyond initial investment advice, here’s what other common pieces of work typically cost.

Typical charges for additional advice and planning services
Service	Typical charge
Life Assurance	Commission from provider Minimum charge £500
Regular Contributions to Pensions & Savings	£350 Fixed charge
Annuity Purchase	2% e.g. £200 per £10,000 — minimum £600
Drawdown & Income Planning	£500 Fixed additional charge

Our hourly rates. We are able to undertake other work at hourly rates. You may ask us for an estimate of how much in total we might charge, and you may also ask us not to exceed a given amount without checking with you first.

Director / Financial Adviser£225 per hour
Administration£125 per hour

Example: ad hoc review meeting with valuation, £575 (based on 2 hours adviser time and 1 hour administration time). Estimated; charged on actual time taken.

All charges are agreed with you in writing before any work begins. Some services can also be paid for by commission — ask us for details.

Ongoing service

Keeping Your Plans on Track

We recognise that our clients have different needs for advice and information, and want the comfort of knowing that their plans are being looked after. Putting a service agreement in place ensures that we will keep your plans under review so they stay on track.

Light

Retainer service

To ensure that your plans receive basic monitoring and oversight, we provide basic administration of your policies. This includes provider statements and important notices, and access to a financial adviser when required (subject to additional charges). We will not offer review meetings or monitor your investment returns until you ask us to.

How it’s charged: a basic monthly fee for retaining our services, plus additional fees for work instructed, charged at the applicable hourly rate.

Typical costs

Valuation summary by post60 mins admin time£125
Ad hoc meeting with adviser2 hrs adviser + 1 hr admin; may increase depending on work requiredtypically £575
Policy surrenderAn hour of admin time£125
Death claim for probateValuations/surrender only, excludes tax or legal advice£350

Comprehensive

Regular review

For clients who want the reassurance of a plan kept up to date and reviewed regularly, at an affordable cost. You’ll receive a periodic investment review of your plans, checking they still match your needs, goals and attitude to risk, plus a complimentary risk-profiling service. Your dedicated adviser remains on hand whenever you need them, and we handle the administration, paperwork and provider liaison for you.

Tiered charge on the funds we advise on

First £100,000e.g. £120 per £10,0001.20% p.a.
Next £100,001–£250,000e.g. £100 per £10,0001.00% p.a.
Next £250,001–£500,000e.g. £40 per £10,0000.40% p.a.
Next £500,001–£1,000,000e.g. £30 per £10,0000.30% p.a.
Above £1,000,000e.g. £25 per £10,0000.25% p.a.

Minimum annual charge: £700.† Income/pension drawdown management: £500 p.a. in addition to the above. Non-investment clients: £50/month or £600/year.

What each ongoing service option includes
What’s included	Light	Comprehensive
Periodic investment review of your plans and risk profile	–	✓
Personal website with online valuations	✓*	✓
Valuation summary report & plan administration	✓	✓
Access to financial adviser when required	✓	✓
Plan alterations / fund changes at no additional charge	✓	✓
Annual fact-find & detailed risk assessment questionnaire	–	✓
Risk-profiled investment solutions & holistic planning with your other advisers	–	✓

* Where supported by plan providers.

† If the tiered calculation above comes to less than £700 a year, we will charge £700, unless we have agreed a different amount with you in writing. At our discretion, and taking into account your overall relationship with us, we may agree a lower ongoing charge; any such arrangement will always be confirmed to you in writing.

Primarily our ongoing services are paid for by a percentage charge taken from your investments; some clients choose to pay us directly. As the charge is percentage based it will increase as your assets under advice change. The charge will be reviewed annually and may be increased or decreased depending on your assets under advice. Charges will start from the point that we agree to provide services to you.

The value of advice

What Your Fee Actually Pays For

Placing a trade costs next to nothing these days. The expertise behind the decision is where the real value lies — and it’s built over years, not downloaded from an app.

Judgement, Not Just Execution

Anyone can place a trade online in seconds. The hard part — knowing what to buy, when to act, and when to do nothing — comes from decades of experience across market cycles.

Staying the Course

Markets fall as well as rise. Clients with an adviser are far less likely to panic-sell at the wrong moment — one of the most common ways people damage their own returns.