We have worked to keep our charges as simple as possible. How you choose to pay for our services is up to you but you can be sure that all costs will be clearly presented to you in advance so there are no surprises.
We will disclose our costs fully and in writing before we begin work, and will ask you to sign a specific fee agreement which sets out how and what we are paid for our services.
How we charge
Types of charge
We charge for our services in two ways.
The initial charge covers the cost of our initial meetings with you, our fact-finding, research, our recommendations, and our implementation (if required).
Our first meeting with new clients is at our expense.
The ongoing charge covers the cost of servicing your plan, and any ongoing work you may require.
This can include things like keeping you up to date on your plan, topping up your ISA automatically and being available whenever you need to talk.
Ongoing services are optional, but they do include the cost of review meetings which we strongly recommend.
How charges are paid
Commission can no longer be paid on new investment products, but older investments and many insurance-type plans still pay in this way.
In all cases we will fully disclose fees or commission before charging you. We offset commission against our fees so you won’t pay twice.
Or you can pay by the hour
Adviser charging and fixed invoices are the most common options selected by our clients. You are also able to pay by a simple hourly rate if you prefer.
If you choose this option, we can provide you with an estimate of how long the work could take, and we can cap our charges and time spent to suit your budget.
£250 per hour
Advice is provided by our independent and highly qualified chartered financial planners.
Advice means we will seek to understand you needs as well as your wants, and recommend suitable financial products and investments for you.
When we give you advice, we take responsibility for our recommendations.
£140 per hour