How we are paid

You will always know our charges before you make a decision to proceed. We have a transparent charging structure, so that you can be sure we are working efficiently for your benefit.

Our charges are based upon the provision of our qualified and professional expertise, the time taken to analyse your circumstances and devise an appropriate strategy going forward and the design of a report to communicate this strategy to you.

Our Typical Charging Structure

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Initial Advice

We have a minimum initial charge of £2,000. This covers our fact find meeting, initial review, research & plan, advice report & recommendation and implementation of the agreed strategy.

Our initial fee is typically 1% of the value of the assets on which we advise you (minimum £2,000).

Example:

You are retiring in the next few months and have pensions valued at £250,000 & investments valued at £150,000 and wish to know how to take an income from these to supplement your state pension. Our Initial Advice Charge: £4,000.

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Ongoing Advice

Our fee for ongoing advice, which normally covers a review and implementation of any changes we recommend to your plans and investments, is typically 1% of the value of the assets on which we advise you.

Examples:

You have investments valued at £150,000. Our Ongoing Advice Charge: £1,500.

You have pensions & investments valued at £350,000. Our Ongoing Advice Charge: £3,500.

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How You Pay

Our initial advice charge can either be paid by you on invoice or as a deduction from your pensions/investments by the provider if available.

Our ongoing advice charge is typically paid monthly from your pensions/investments by the provider if available or can be paid annually by you on invoice.

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