Advice Services & Fees

Simple, fair & transparent

Our financial advisers are ready to start helping you achieve your financial objectives.

Advice Services & Fees

Our fee structure is designed to offer loyal clients a reward for growing their wealth through us.

We think it is important to offer clients simple, fair and transparent fees. We aim to ensure value from a well-resourced advice service that aligns our mutual interests.

Our initial client meeting is offered at no cost or obligation. We will meet those costs as we are yet to understand and agree how best we can work together. We are only remunerated if we act on your instruction and behalf.

Advice & Establishment Fees

Our advice and establishment fee is an initial one-off fee based on the capital sum invested or the monthly contribution made into a plan we have recommended. This fee starts at 2% but reduces to 0.25% depending upon the size of the investment. The tiers of funds invested are listed below.

Over £3,000,000
Over £1,500,000
Over £500,000
Over £250,000
Up to £250,000

Insurance & Annuity Commissions

We will receive an intermediary commission from the selected insurance company for the advice and arrangement of a contract of insurance or annuity purchase, which will be met through product charges.

Annual Service & Management Fees

Our service and management fee is an annual percentage of funds under advice. This fee starts at 0.75% per annum but reduces to 0.5% per annum as funds under advice increase. The tiers of funds under advice are listed below.

Portfolio value up to £1,500,000
0.75% pa
Portfolio value over £1,500,000
0.5% pa

Fixed Fees

For certain specialist tasks we charge a fixed fee. Areas of work covered include:

Divorce pension splitting report
Transfer value analysis report
Trust asset review report
Property purchase within SIPP or SSAS
Retirement income forecast report
Annual financial health check

Value Added Tax

Our fees are charged for the advice and arrangement of financial products. The advice, arrangement and ongoing management of financial products is a regulated activity and is exempt from VAT. Our fixed fees may attract VAT.

Areas of Financial Advice

  • Pensions Funds
  • Self-Invested Pensions
  • New Individual Savings Accounts (NISAs)
  • Investment Funds
  • Investment Trusts
  • Exchange Traded Funds
  • Insurance Bonds
  • Savings
  • Tax Efficient Investment
  • Estate Planning
  • Family Protection
  • Health & Medical Protection

Our Financial Specialists

Chris Davies

Chartered Financial Adviser

Phil Johnson

Independent Financial Adviser

Kate White


Mandy Armstrong

Paraplanner and IT Manager

Need Financial Advice

If you would like to discuss any financial issues, we would be pleased to answer any questions you may have.

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