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how we charge

Fair, competitive, transparent

When it comes to fees, we think the most important thing is clarity.

A guide

We make sure that before you agree to working with us formally, you have a full breakdown of our charges and what you can expect us to do in return.
The exact cost will depend on your individual requirements, but to give you a guide, we, like many advisers, charge a 1% ongoing fee. So let’s say you had £250,000 of investable assets with us, we would charge £2,500 a year. This fee would be deducted from your investment.

It’s as simple as that. There are no hidden fees such as exit charges or fund switching charges.

The service you receive in return for that is covered by our Comprehensive Planning Service which includes:
  • A personalised service and professional relationship with the same points of contact working for you.
  • Lifetime cashflow modelling reviewed annually to ensure you stay on track (this is the visual part of financial planning).
  • A rigorously tested investment portfolio that is low cost, highly diversified and appropriate for your goals and timescale.
  • Access to a portal so you can keep tabs on all your holdings in one place.
  • Full access to us at all times by email/phone.
  • Annual tax statements.
  • Yearly review meeting.

One-off fees

Sometimes you might need a one-off bit of advice, rather than ongoing. This could be around options at retirement for example, or how best to make use of your employer pension scheme. In scenarios like this, we may offer to work with you on this basis. Before you engage us we'll provide a proposal including costs to help you weigh up the costs and benefits.
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Here’s what some of our clients had to say about our fees

Having never paid for financial advice in the past we were worried that it would be very expensive. However, the costs were explained at the first meeting, and we were happy to proceed on that basis.
Julie, Lanarkshire
Fees were clearly explained and agreed in advance of work undertaken.
We get the very distinct sense that Michael will not inflate the need to meet up to discuss forward financial planning, hence we will not be racking up hours/bills. This is much appreciated.
Robert, Lanarkshire

To discuss how we can help you, please get in touch.