Clear, transparent fees for thoughtful financial planning
Good financial planning should bring clarity, not confusion.
That includes being clear about how I charge.
My fees are designed to reflect the value of personalised advice, careful planning, and ongoing support where needed.
I believe in separating the cost of advice from the cost of implementation, so you can clearly see what you are paying for and decide what level of support is right for you.
Everything is explained upfront and agreed in advance.
How my fees work
Most client relationships are made up of three stages:
1. Financial Planning and Advice
The work involved in understanding your situation, clarifying your goals, reviewing your existing arrangements, carrying out research and analysis, and presenting clear recommendations.
2. Implementation
If you would like me to put those recommendations in place for you, there may be a separate fee for arranging this.
3. Ongoing Service
For clients who want an ongoing relationship, I offer continued advice, regular reviews, and support as life changes.
This structure keeps things simple, transparent, and fair.
1. Financial Planning and Advice
Standard fee: £2,500
This is the fee for the initial advice process.
It covers the work involved in understanding where you are now, where you want to get to, and what needs to happen next.
This typically includes:
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meetings to understand your goals, priorities, and concerns
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gathering and reviewing your existing pensions, investments, and other arrangements
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research and analysis
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consideration of tax planning opportunities where appropriate
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cashflow modelling and retirement planning where relevant
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preparation of personalised recommendations
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a clear explanation of those recommendations and the options available to you
This is where the real value of financial planning begins.
For some clients, this one stage alone provides the clarity they need. For others, it forms the foundation of a longer-term relationship.
More complex cases
Where the work is more involved, a higher fee may apply.
This might be the case if your planning includes more complex retirement income work, multiple pensions or investments, safeguarded benefits, business or family planning issues, or more advanced tax considerations.
If a different fee is appropriate, I will explain this clearly before any work begins.
2. Implementation
Implementation fee: up to 1% of the amount implemented
If you choose to proceed with my recommendations, I can manage the practical side of putting them in place for you.
This may include:
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setting up new arrangements
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processing applications and transfers
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liaising with pension and investment providers
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arranging investments
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overseeing administration and follow-up
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ensuring the agreed recommendations are completed properly
Some clients prefer to implement the advice themselves. Others want the reassurance of having me oversee the process from start to finish.
Either approach is absolutely fine. The choice is yours.
Where an implementation fee applies, I will always explain it clearly in advance.
3. Ongoing Service
For clients who want an ongoing relationship, I offer a continued financial planning and wealth management service.
0.75% a year on funds up to £500,000
0.50% a year on funds over £500,000
This ongoing fee is for clients who value regular reviews, ongoing advice, and the reassurance of knowing someone is helping them stay on track.
What this service includes
My ongoing service typically includes:
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regular review meetings
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ongoing review of pensions and investments under advice
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review of your objectives, priorities, and changing circumstances
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retirement planning and income discussions
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support with tax wrappers and planning linked to your existing arrangements
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legacy and beneficiary planning discussions
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support by phone and email throughout the year
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straightforward top ups to existing advised arrangements where these remain in line with the agreed strategy
The purpose of the ongoing service is to help ensure your planning remains aligned with your life, not just your investments.
What may fall outside the ongoing fee
My ongoing fee covers the ongoing review and servicing of your existing arrangements.
From time to time, you may ask me to carry out a new piece of work that goes beyond normal ongoing servicing. Where that happens, a separate fee may apply.
This may include:
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recommending and implementing a new product
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arranging a new transfer
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moving into drawdown and setting up retirement income
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recommending a new provider or platform
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major restructuring of existing arrangements
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substantial new planning work outside the agreed ongoing service
If an additional fee applies, I will always explain this clearly and agree it with you before any work begins.
Straightforward top ups
As part of my ongoing service, I will usually facilitate straightforward top ups to existing advised arrangements without an additional fee, provided they remain in line with the agreed strategy and do not require fresh advice.
If a contribution or addition involves significant extra planning, tax analysis, or a new recommendation, I may agree a separate fee before carrying out that work.
What you are really paying for
You are not simply paying for products or transactions.
You are paying for:
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clarity
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professional judgement
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personal advice tailored to your life
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structure and direction
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support with important decisions
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ongoing thinking as your circumstances change
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the reassurance of having someone in your corner
For many clients, that value goes far beyond investment returns alone.
A typical journey
A typical client relationship may look like this:
Step 1
£2,500 for financial planning and advice
Step 2
Up to 1% to implement recommendations, if you would like me to manage this for you
Step 3
0.75% / 0.50% a year for ongoing advice and support, if ongoing service is the right fit
Not every client needs every stage.
Some want a one-off planning exercise. Others want implementation and long-term support.
The right route depends on your circumstances and what you are looking for.
Why clients value this approach
Clients often tell me they value this structure because it is:
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clear
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fair
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transparent
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tailored
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focused on advice, not sales
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built around a long-term relationship rather than a one-off transaction
It also means you can see exactly what you are paying for at each stage.
The first step
The first step is simply a conversation.
That gives us the chance to talk about what you are looking for, whether I can help, and what the likely costs would be.
There is no pressure and no obligation to proceed.
Ready to talk?
If you would like to explore whether working together might be the right fit, please get in touch.