FeesandCharges
We believe in being completely transparent about what our services cost. Our fees are set out in full, in writing, before any chargeable work begins, and our structure is banded rather than flat: the more you invest with us, the lower the rate applied to your whole investment, the reverse of how most financial services firms price.
How We Charge
We offer three tiers of engagement, and our fees depend on which one applies: Just Advice, a one-off report with no ongoing service; Advice and Implementation, which adds practical implementation of the recommendation; and Ongoing Advice, which adds continuing reviews and access to your adviser.
You will never pay both a report fee and an implementation charge.
If you proceed to implementation, the report fee is absorbed into the implementation charge, not added on top.
Your fee is also determined by your client category, based on the complexity of your circumstances rather than a simple asset threshold.
Report Fees by Category
Your report fee depends on the complexity of your circumstances, not simply the size of your portfolio.
Standard
A single pension or investment recommendation. Report fee: £2,000.
Complex
Transfers, at-retirement advice, or funds over £500,000. Report fee: £3,500.
High Net Worth
Total investable assets of £1m+, or trust and estate planning. Report fee: £5,000.
Ultra High Net Worth
Total investable assets of £5m+. Report fee: by agreement.
Implementation Charge
Where you choose to proceed to implementation, the following rates apply to the full amount invested or transferred:
- £50,000–£249,999: 3.00%
- £250,000–£499,999: 2.50%
- £500,000–£699,999: 2.00%
- £700,000–£999,999: 1.50%
- £1,000,000 and above: 1.00%
Our banded structure means the more you invest with us, the lower the rate applied to your whole investment.
Disclaimer
Figures shown are illustrative of our standard charging structure and do not represent a quotation. Actual fees depend on your individual circumstances and are confirmed in writing before any chargeable work begins. Ongoing Advice clients are charged 1% per annum of assets under advice, subject to a minimum of £1,200 and a maximum of £12,000 per annum. For UHNW clients, 1% applies on the first £2,500,000 (maximum £25,000 per annum), with a reduced rate agreed on amounts above this.