Our Fee Structure

Our typical fee-based charges are:

 Initial fee % 3% of the funds invested for any investment up to £250,000
 Then 1% of the funds invested in excess of £250,000  
 Ongoing fee %  0.75% per annum

Example one: A client with £100,000 being invested into a pension or investment
This would incur an initial fee of 3%, therefore the fee payable is £3,000 with an ongoing fee of 0.75% (£750) per annum

Example two: A client with £500,000 being transferred to a new pension
This client would fall in both of our fee brackets. Our initial fee would be 3% of the first £250,000, then 1% on the additional £250,000 which would total a fee of £10,000 (or an aggregated percentage of 2%) and an ongoing fee of 0.75% (£3,750) per annum.

These fees can either be paid directly or, in many instances, paid from your investment or pension. We do not hide our charges and these will always be explained and agreed before we undertake any advice with you. 

Paying by commission (through product charges)

If you buy an applicable financial product (for example Life Assurance), we will normally receive a commission on the sale from the product provider. Although you pay nothing to us up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider’s own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower.

We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.

Paying by a combination of fee and commission

In some circumstances, we also charge a fee on top of any commission we might receive. For example where the commission payable does not reflect the amount of work carried out on behalf of a client.

Hourly Rate

We will confirm the rate we will charge in writing before beginning work. Our typical charges are:

Independent Financial Adviser: £195.00 per hour
Administration:                                   £75.00 per hour

Payment for Ongoing Services

We have a range of ongoing services we can provide to ensure that your personal recommendation is reviewed frequently and remains relevant to your changing circumstances. The frequency of the charge will depend on the service you choose and is usually made by standing order on a periodic basis. Please ask your adviser for more details.

We will tell you if you have to pay VAT