CLEAR ADVICE. CLEAR FEES.
NO SURPRISES.
Financial planning should help you feel more confident about your money. That starts with understanding what you are paying for.
I separate the cost of creating your financial plan from putting recommendations into place and providing ongoing support.
You can decide how much help you need, with all fees explained and agreed before work begins.
WHAT WE CHARGE
Financial planning and advice
£2,500
standard fee
Understand your finances, explore your options and create a personal financial plan.
Implementation
Up to 1%
of the amount implemented
If you would like me to arrange and oversee agreed recommendations.
Ongoing advice
0.75% / 0.50% a year
Regular reviews, planning updates and support as circumstances change.
Whats included in each service?
Financial planning and advice
£2,500
This is where we bring everything together. We will look at your pensions, investments, savings and other finances, understand what matters to you and explore what the future could look like. Using cash-flow planning, we can consider different retirement dates, spending plans and other decisions before agreeing a strategy that works for you.
You will receive a personalised financial plan, together with clear recommendations and an explanation of your options. For some clients, this is all the help they need. Others choose to have me implement the recommendations or provide ongoing support.
More complex work may cost more. Any additional fee will be explained and agreed before the work begins.
This typically includes:
Initial and follow up meetings
Gathering and reviewing the information
Research, analysis and cashflow modelling
Personalised recommendations
Clear explanation of your options
Putting your plan into action
Up to 1%
Implementation fee: up to 1% of the amount implemented
If you would like me to arrange the recommended pensions or investments, I can handle the application process, liaise with providers and keep you informed as the changes are made. You will receive a clear breakdown of the implementation fee before deciding whether to proceed.
You can choose whether to use my implementation service. The planning fee is separate.
This may include:
Setting up new arrangements
Processing applications and transfers
Liaising with providers and platforms
Arranging investments
Overseeing administration and follow up
Ongoing financial planning
0.75% (up to £500,000)/0.50% (over £500,000)
Annual advice fee: 0.75% for portfolios up to £500,000; 0.50% on the entire portfolio where the portfolio value is above £500,000.
Retirement plans change as life changes. For clients who want an ongoing relationship, I review their financial position, revisit their goals and update their plan where appropriate. We can consider spending, retirement income, investment risk, changes in family circumstances and whether the plan is still on track.
Ongoing advice is optional and its scope, fees and review arrangements will be agreed with you. Some work outside the agreed service may attract an additional fee, which we would discuss in advance.
This typically includes:
Annual review meeting
Ongoing advice on pensions and investments
Updating cash flow forecasts where appropriate
Support with retirement income and tax planning
Inheritance and beneficiary planning discussions
Support by phone and email through the year
Straightforward top ups to existing arrangement
Understanding the total cost
The adviser charges shown here are separate from any platform, fund management, transaction or product charges. Where relevant, these will be set out in your personal recommendation so you can understand the total cost before proceeding.
Example
£300,000 portfolio at 0.75% = £2,250; £600,000 portfolio at 0.50% = £3,000; £1,000,000 portfolio at 0.50% = £5,000.
These are adviser fees only, before other investment and platform costs.