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Open and transparent charges on your financial journey

Charges

Like most Financial Adviser firms, we offer a free, no obligation initial meeting. This is an opportunity for you to find out more about us and the service we can offer you, to help you decide if you would like to proceed with us.

We are completely open about our charges, you will struggle to find many firms' websites which detail the charges for their services! 

Although our fees can vary for complex work, we want to provide you with our standard terms as a guideline. All fees will be confirmed to you verbally at your initial meeting and again in writing to you afterwards. If you choose to proceed, 50% of the fee is payable in advance and the balance only payable when we have carried out the work agreed and we have answered all your questions.

Initial Services

Personal Financial Review

The fixed fee for a Personal Financial Review does vary based on the complexity of your finances. As a guideline, they are usually between £1,500 and £2,000 and the fee would be payable by you.

Adviser Service

The percentage charge for our Adviser Service is 2% of the money you invest with us. This can be paid by you or taken from the money/product you invest in.

Ongoing Services

The percentage charge for our Ongoing Service is generally 1% p.a. of the money you have invested. This can be paid by you or taken from your investment.

If you invest over £500,000, our charge will be 0.75% p.a.
If you invest over £1,000,000, our charge will be 0.50% p.a.

Please note that Product Providers and Fund Managers also charge for their ongoing services, which is in addition to our charges. We are keen to keep these costs low and so for the majority of our clients with a standard Pension or ISA, the product charge would be around 0.35% p.a. and the fund charge would be around 0.25% p.a. Again, please be aware that these are only guidelines, your actual charges will be confirmed to you before you proceed, and again at every review meeting.

Cancelling Ongoing Services: You may have heard about exit penalties and tie in periods with some Adviser firms. We do not impose any penalties, and never will. We always want our clients to be happy and to build relationships with them over the long term, but it's important for you to know that if you did change your mind for any reason, you are free to cancel our services at any time.
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Not sure what to do next?

Arranging a face-to-face meeting is the best way to get to know each other. Our initial meeting is free of charge and there is no obligation to use our services, so you don't need to worry if you're not sure. We find this is the most helpful way to get the best for our clients and to establish a long-term relationship.

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I recommended Rob to very good friends of mine and the feedback I received from them was excellent all round. M.C