Our low cost financial advice - what you pay
Fees really matter and can make a telling difference to your net worth. We are brutal about keeping overall fees to a minimum and use low cost options
wherever it makes sense to do so.
Our fee is straightforward, very competitive and fully inclusive. And our low initial fee ensures our financial motivation is to retain happy clients.
Before agreeing to become a client, or spend a penny in fees, we will invest time getting to know you and letting you get to know us. We only take on a new client when it is clear we can add
real value.
Our fee
Our fee includes full service financial planning and investment advice.
| Amount Invested | Initial Fee | Annual Fee |
|---|
| up to £150,000 | 1.00% (min £1,000) | 0.60% |
| £150,000 | £1,500
plus 0.20% of
amount over £150,000
overall fee
capped at £3,000 |
| £300,000 | 0.50% |
| £400,000 | 0.40% |
| £600,000 | 0.35% |
| £750,000 | 0.30% |
| £1 million | 0.25% |
| £1.5 million | 0.20% |
| £1.75 million+ | By agreement |
| VAT does not normally apply. You can calculate our initial fee below. |
| Enter portfolio amount £
|
Fund & platform fees (3rd parties)
These are normally the only other fees you pay. Amounts will vary depending on our advice, as we're not tied to any platforms or funds, but as a guide:
| Funds | No initial charge with a 0.45%-0.60% annual charge (mix of active and tracker funds). |
|---|
| Platform | Typical 0.10%-0.15% annual fee. We'll recommend the best value option. |
|---|
| Overall | Total annual costs (our fee, funds and platform) are typically 0.90%-1.20%. |
|---|
To help illustrate what you might pay in various scenarios take a look at our examples.
Our fee includes
| Initial Fee | Annual Fee |
|---|
- Both financial planning and investment advice
- Detailed fact finding and objective setting
- Liaising with product providers and professional advisers where appropriate
- Comprehensive written report
- All necessary conversations, correspondence, research and administration
- Implementation
|
- Comprehensive annual review
- Pro-actively monitoring your investments and products
- Ad-hoc and ongoing advice as required (new monies invested may be subject to an initial fee depending on how much work is involved)
- Regular relevant commentary
- Required administrative tasks
|
Do we receive payments from elsewhere?
No. Our only source of income are the fees that you pay us - we only work for you. Take a look at our impartiality document for more details.