Our charges

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

Charges for financial services can be confusing.
Over many years, financial services in the UK has adopted a variety of charging methods for services, advice, investments, insurance and other financial products.
We think we’ve done a good job of keeping things as simple as we can, and this page and video is designed to give you an overview of the different methods of charging we use.
One thing is always certain though: All our costs will be fully disclosed in advance, so you will always know exactly what you’re paying for.

Types of charge

We charge for our services in two ways.

Initial charge

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.

Ongoing charge

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

Our charges can be paid in three ways.
Some options may be limited depending on the financial product involved.


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.

Direct Fee

This means we invoice you directly for the work we will do. These fees will be agreed in advance so there are no surprises.
We can charge you on an hourly rate, a project rate or a fixed fee, whichever works best for you.
In some cases it may be more tax efficient to pay your fees via Adviser Charging.

Adviser Charge

An adviser charge is a fee we have agreed with you but which is paid via a product (for example your pension). It can be used for both initial and ongoing fees.
In some cases this can be a more efficient way of paying your fees.
This is the most common way our clients choose to pay us, but the choice is entirely up to you.

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.

Financial advice

£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.

Financial coaching

£140 per hour

Financial coaching is about helping you understand and discover what you want to do with your money, and helping you achieve your goals.
Coaching is not advice. Your coach will not make any recommendations. You remain responsible for your decisions.