Why choose us

How we charge

We pride ourselves on offering fair and transparent fees, as well as a value-for-money service.

To achieve those goals, we break down our fees into three stages:

Financial advice: A fixed fee based on the complexity of your situation and the time it takes us to develop and deliver our advice.

Independent research and implementation: A fee to cover the cost of implementing our advice, should you ask us to do so.

Regular reviews: A fee to ensure your financial plan remains on-track to deliver your objectives and aspirations.

We believe this method of charging has several key benefits:

  1. It is fair to both you and us; we are paid for the work we do, while providing excellent value for money to you
  2. It is transparent; you know at every stage the amount you are paying and the service or advice you will receive in return
  3. No conflicts of interest; you are paying for advice, our income isn’t dependent on selling a financial product

Naturally, we offer an initial meeting or discussion at our expense. This allows us to get to know each other and answer any questions you might have about our services and the fees we charge.

If you then go on to work with us (which will usually involve us gathering information, conducting analysis and preparing a report), that’s when we start to charge.

It’s important to note a growing body of research which shows the value of financial advice and planning. This includes:

A 2017 report by Royal London and the International Longevity Centre showed that, on average, people who work with a financial adviser boost their assets by up to £43,245.

A recent study by Vanguard identified seven key areas where advisers can add value, estimating values for each area. The total sum was discovered to be around 3% per annum.


What do our clients have to say?