Our fees
We believe in transparency when it comes to fees. You’ll always know what you’re paying and why.
Wealth and investment management fees can be confusing, making planning difficult. We make sure you always have a clear understanding of what you're paying before you make any commitments.
Making financial advice accessible to more people
We believe financial advice should be accessible to everyone. That’s why we offer two types of services to fit every journey and budget.
Ongoing Advice Service
- One-off Advice Service
Ongoing Advice Service
- Ongoing access to your Personal Wealth Adviser(s)
- Annual review of your financial plan, your goals and aspirations
- 24/7 access to view your investments via the MY SPW secure web app
- Exclusive invites to webinars on key topics to help you expand your knowledge and understanding
- Access to dedicated Investment Specialists offering additional insight into investment performance and the economic outlook
- An automatic ISA top-up service within your portfolio (dependent on solution)
- No one-off advice fee on additions to existing investments covered by the Ongoing Advice Service after the first year
Ongoing Advice Service
- Ongoing access to your Personal Wealth Adviser(s)
- Annual review of your financial plan, your goals and aspirations
- 24/7 access to view your investments via the MY SPW secure web app
- Exclusive invites to webinars on key topics to help you expand your knowledge and understanding
- Access to dedicated Investment Specialists offering additional insight into investment performance and the economic outlook
- An automatic ISA top-up service within your portfolio (dependent on solution)
- No one-off advice fee on additions to existing investments covered by the Ongoing Advice Service after the first year
Ongoing Advice Service
- One-off Advice Service
Ongoing Advice Service
- Ongoing access to your Personal Wealth Adviser(s)
- Annual review of your financial plan, your goals and aspirations
- 24/7 access to view your investments via the MY SPW secure web app
- Exclusive invites to webinars on key topics to help you expand your knowledge and understanding
- Access to dedicated Investment Specialists offering additional insight into investment performance and the economic outlook
- An automatic ISA top-up service within your portfolio (dependent on solution)
- No one-off advice fee on additions to existing investments covered by the Ongoing Advice Service after the first year
Ongoing Advice Service
- Ongoing access to your Personal Wealth Adviser(s)
- Annual review of your financial plan, your goals and aspirations
- 24/7 access to view your investments via the MY SPW secure web app
- Exclusive invites to webinars on key topics to help you expand your knowledge and understanding
- Access to dedicated Investment Specialists offering additional insight into investment performance and the economic outlook
- An automatic ISA top-up service within your portfolio (dependent on solution)
- No one-off advice fee on additions to existing investments covered by the Ongoing Advice Service after the first year
Your investment amount
One-off Advice Service Fee
This is our advice fee if you decide to go ahead with our recommendation(s).
£1,000.00
One-off fee
Ongoing Advice Service Fee
The Ongoing Advice Fee will apply if you accept a recommendation from your adviser that this service is suitable for your needs.
£5.42
per month
Average investment fees: 1.3%
£13.33
per month
Indicative fees for the first year only. Ongoing Advice Service and Investment Fees are payable monthly in arrears.
The amounts above are exclusive of VAT. Your adviser will inform you of where VAT will be charged.
The value of investments and the income from them can fall as well as rise and are not guaranteed. The investor might not get back their initial investment.
This information is based on our fees and charges as at July 2025 and may change from time to time.
There may be additional or different fees depending on your chosen solutions. Your adviser will confirm all the applicable fees and charges prior to you proceeding with any solutions.
How our charges work
Our charges are tiered depending on the amount invested, in the below table you’ll find examples for both our one-off and ongoing advice services. Fees for regular premium investments may differ.
| One-off Advice Service* | Ongoing Advice Service** | ||
|---|---|---|---|
First £57,000 | £1000 minimum fee (1) | Up to £1m | 0.65% |
Between £57,000 to £1.14m | 1.75% | Between £1m to £2m | 0.40% |
Any additional amounts over £1.14m | £20,000 maximum fee | Between £2m to £5m | 0.35% |
Amounts over £5m | 0.15% | ||
*One-off Advice Service - Fees are paid via a single payment by cheque, or bank transfer. In some situations, you might be able to pay the fee through the product itself. Your adviser will discuss the options available with you. We will never charge you until you’ve agreed how you want to pay.
(1) The £1k minimum fee only applies to new clients at the point they join SPW and does not apply to subsequent advice events.
**Ongoing Advice Service - Fees are paid monthly in arrears and are deducted from your investments.
Fee examples for each service are shown below
One-off advice example investment amounts
| Example investment | One-off Advice Service fee |
|---|---|
£40,000 | £1000 minimum fee (2) |
£100,000 | £1,750 |
£250,000 | £4,375 |
£500,000 | £8,750 |
£1,500,000 | £20,000 maximum fee |
(2) Charged upon first investment with SPW to new clients only.
Ongoing advice example investment amounts
| Example investment | Ongoing Advice Service fee per year |
|---|---|
£100,000 | £650 |
£250,000 | £1,625 |
£1,500,000 | £8,500 |
£3,000,000 | £14,000 |
£6,000,000 | £22,500 |
Frequently asked questions
Start your journey with SPW
Chat to an adviser - no obligation and nothing to pay until you’re happy with your plan.