Putting a price on good advice

When it comes to managing your finances, it may not always make sense to part with your hard-earned money to pay for advice. However, this could be the best investment you’ll ever make.

Our qualified advisers could potentially improve your financial wellbeing by helping you to understand where you are and then supporting you with the aim of getting you to where you want to be.

The journey to realising your dreams could start with a financial plan.

Clear and transparent pricing

  • We’re committed to providing you with clear and transparent pricing on all of the products and services that we provide. We aim to extend this to products and services provided by third parties as soon as we can.

  • The example to the right features our Personal Discretionary Portfolio Service. This is an actively managed investment service, operated on a discretionary basis by our managers and tailored to your personal risk profile.

Representative Details
One-off advice fee
£1,750.00
This is a one-off fee that covers our advisory services and for configuring and helping you implement a unique plan that matches your needs.
one-off fee
Ongoing advice fee
£54.17
This is the charge you pay for receiving ongoing advice from us and is dependent on the amount you have invested with us.
per month
Average investment fees: 0%
£91.67
per month
Discretionary fund management fee: 0%
£29.17
This is the fee you pay us for actively managing your investments on your behalf.
per month
Platform charge fee: 0%
£16.67
This fee covers administrative costs for your investments including online reporting.
per month
Fund managers' fees: 0%
£45.83
These are the ongoing charges and fees of the funds selected for an investment in our balanced model portfolio. This is the portfolio most clients select, but the exact fee you’ll pay depends on your risk profile.
per month

Give us a call on 0808 109 2071

Indicative fees for the first year only. Fees are payable monthly in arrears; VAT will be charged where applicable.

There’s no advice charge or commission fee payable to us for life insurance recommendations.

Clients can read our full terms and conditions by logging onto the client portal.

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 January 2021 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.

Tiered pricing

If you decide you’d like to implement our advice our charges for a one-off or lump-sum investment are tiered depending on the amount invested, below you’ll find examples for both our one-off and ongoing advice services. Fees for regular premium investments may differ.

One-off Advice

Fees for one-off advice 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 not charge you until we have agreed with you how we are to be paid.

Up to £570,000

1.75%

Amounts over £570,000

0%

Ongoing Advice

Fees for ongoing advice are paid monthly in arrears and are deducted from your investments

Up to £1m

0.65%

Between £1m to £2m

0.40%

Between £2m to £5m

0.35%

Amounts over £5m

0.15%

Why take ongoing advice?

We believe that creating a financial plan shouldn't be a one-off event. Because our lives are changing constantly you should consider reviewing your plan once a year to make sure it continues to meet your needs

One-off advice

We’ll review your circumstances in detail and provide a personal advice recommendation.

  • A personal financial plan.

  • If you decide you’d like to implement our advice our charges are tiered depending on the amount invested. For example we charge 1.75% on the first £570,000 invested with us and no additional advice fee on amounts invested above this level.

  • There’s no advice charge or commission fee payable to us for life insurance recommendations.

  • Access to regular research and insight on topics that interest you.

  • Existing clients can read our full terms and conditions by logging onto the client portal.

Ongoing advice relationship

Once you have received your one-off advice, we can support your ongoing financial needs throughout your financial life.

  • Direct access to your Personal Wealth Adviser and their support team if your circumstances change between annual reviews.

  • An annual review of your financial plan, more frequently if your circumstances change.

  • If you want to increase your investment with us after the first year, there will be no fees for the advice.

  • 24/7 online access to your latest financial plan.

  • Access to regular research and insight on topics that interest you.

  • The fees are tiered and start at 0.65% per annum for the first £1million.

  • Fees are payable monthly in arrears.

  • We truly believe you’ll value this service, but if it doesn’t work for you, you can opt out at any time with no exit fees. However, some third party providers might impose exit fees on their products and services if you decide to cancel them.

  • Existing clients can read our full terms and conditions by logging onto the client portal.

Pricing

Let's start with a free initial consultation

We'll begin with a free, no obligation conversation to understand if our service is right for you. There are no hidden fees or charges, and you’ll only pay if you choose to go ahead with the recommendations in your personalised financial plan.