Our Fees.
Initial Consultation.
For all service levels.
We will provide you with an initial consultation with no commitment and at our cost, with one of our qualified Financial Planners, providing an opportunity for you to ask questions and understand our services in detail.
This helps us to understand your financial objectives and we will confirm how we can support you in working towards these. We will also discuss the fees and levels of our service in relation to your own unique circumstances and requirements.
Fees
Initial Consultation – FREE
Financial Life Planning Service.
Financial Life Planning is a process designed to give you focus and time, to set out and work through your specific life plans. We will:
- Encourage in-depth conversations, with specifically designed exercises as necessary, to clearly formulate your desired financial life goals, needs and wants. This may require more than one meeting
- Carry out a full and in-depth analysis, stress-testing and challenging your current financial arrangements, using advanced “Cash Flow Planning” technology. This helps us to establish if you will have enough money to live your life the way you want to, all the way to the end
- Discuss and agree your individual risk profile and investment strategy
- Provide a tailored recommendation, addressing any amendments needed to your existing plans and suggestions for any gaps that need filling. This will range fromessential Life and Income Protection through to Pensions and Investment Management
- Encourage regular reviews, to ensure your plan stays on course
- Finally move on to the Investment Management Service if applicable
Fees
Initial Implementation Fee: £1,750 (plus VAT).
On-going review service: £750 (plus VAT) if not part of the Investment Management Service.
Investment Management Service.
Initial Service.
- This service is only offered after completion of the Financial Life Planning Service
- Independent advice, provided by your own qualified Financial Planner
- A comprehensive portfolio recommendation, following advanced research of the Fundsand Products available to you. Full consideration is given to your experience, your tax position, your capacity to suffer falls in the Stock Market, your liquidity and the FSCS limits, amongst other areas
- A support team to handle initial policy correspondence and administration on your behalf
- Written confirmation of all actions taken on your behalf, and the reasons why
Ongoing Service.
- All Investment Management Service clients enjoy a regular on-going service which includes a personal review, at least annually
- Your current risk profile, capacity for volatility and cash reserves are reviewed
- Your retirement plans are readdressed, if appropriate
- Your portfolio will be rebalanced, ensuring it doesn’t drift in to a higher or lower risk band than you want
- Ensuring full usage of the annual ISA and/or pension allowance
- Full usage of your annual Capital Gains Tax allowance if appropriate
- Fresh review of your invested Funds, using Independent Review tools and analysis
- Source of reference for any financial query
Fees
Our charge for arranging and setting up your investments is 1% of the amount you invest and/or transfer. These charges are subject to a minimum of £2,500 and a maximum of £5,000.
The previous fee of £1,750 will be offset against any fees for arranging and setting up your investments.
This payment can either be taken from your investment upon receipt by the provider or paid directly by you
Ongoing Annual Management Fee:
There is a minimum fee of £500 a year. This is based on the value of your investment portfolio (calculated on a daily basis) and is charged as follows:
- Up to £250,000 sum invested – 1% per annum
- The next £250,001 to £500,000 – 0.85% per annum
- Above £500,001 – 0.65% per annum