Good advice should pay for itself

We believe that professional advice can lead to better financial outcomes. We’re here to help you develop a personalised financial plan that's designed to help you meet your goals. We want to build long-lasting relationships which can offer you regular support throughout your financial life, but we can also offer one-off advice if you wish.

Our charges explained

We understand that financial advice may not be for everyone. Before you commit to anything we will ensure you understand the basis of our advice and the level of costs that will apply. We’re committed to delivering transparent charges wherever possible, that deliver value for money. To see how you could benefit from financial advice you can sign up for a free consultation with no commitment.

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 below 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.

  • Free initial consultation

    This is a free, no obligation chat to explore the areas where you might benefit from financial advice, we can do this over the telephone, in person or through a video consultation.

  • A personal financial plan

    Our fee for preparing your financial plan is £750. This may be waived in certain circumstances. For example if you implement our recommendations for a new product, then a one-off advice fee or commission is payable instead.

  • No exit fees

    We truly believe that you’ll value this service, but if it doesn’t work for you, you can opt out of this service 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.

  • Absolute clarity before you proceed

    We’re committed to providing you with clear and transparent pricing. Your adviser will explain all the fees and charges for the services we provide, and any associated product charges as they apply to you. If you decide to proceed further you will have a clear picture of any potential costs.

Representative Details
How much are you thinking to invest?
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 for 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

Fees are payable monthly in arrears; VAT will be charged where applicable.

A commission fee is payable for life insurance recommendations rather than an advice charge.

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 November 2019 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 £1m

1.75%

£1-2m

0.75%

£2m +

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?

One-off advice

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

  • A personal financial plan including cash-flow modelling.

  • Our fee for preparing this recommendation is £750. This may be waived in certain circumstances outlined below.

  • 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 £1million and 0.75% on the amount invested between £1million and £2million.

  • A commission fee is payable for life insurance recommendations rather than an advice charge.

  • 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.

Let’s start with a free consultation

No fees. No commitment. No obligation to buy. Let’s just see how we can help.

Pricing

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