Clear, Fair, and Transparent Fees That Offer Real Value
Why Am I Paying for an Ongoing Service?
Financial planning isn’t a one-off event – it’s an ongoing journey. Life changes, markets fluctuate, and regulations evolve, so it’s essential to have expert guidance along the way.
Here’s what you get with our ongoing service:
✅ Regular Reviews & Updates – Your financial plan is regularly reviewed to ensure it remains aligned with your evolving goals and circumstances.
✅ Investment & Market Monitoring – I keep an eye on economic and market trends, making necessary adjustments to optimise your investments.
✅No Charges for Tops Ups or withdrawals to and from existing products – This only applies to your existing products, some advisers charge for this, but we don’t, we feel this wouldn’t be fair value to you.
✅ Tax Efficiency & Legislative Changes – Proactive planning to ensure you are making the most of tax allowances and avoiding unnecessary liabilities.
✅ Cash Flow Modelling Updates – Your ‘Flight Plan’ financial projections are continuously reviewed and updated to account for any life changes, giving you clarity and control over your financial future.
✅ Adapting to Life Events – Whether it’s a career move, retirement, inheritance, or an unexpected event, I ensure your financial strategy adapts accordingly.
✅ Ongoing Access to Advice & Support – You can reach out for guidance at any time, knowing that you have a trusted professional on hand to help with important financial decisions.
✅ Behavioural Coaching – Helping you stay on track, avoid emotional investing decisions, and maintain discipline through market ups and downs.
Studies such as Vanguard’s Adviser Alpha research have shown that working with a financial adviser can add around 3% in net returns per year to an investor’s portfolio.
This value comes from expert investment management, tax efficiency, asset allocation, behavioural coaching, and long-term financial planning—demonstrating that professional advice isn’t just about guidance, but real financial benefits.
Our ongoing service ensures that you remain in control of your financial future with continuous expert guidance and support. Investing in ongoing advice provides reassurance, strategy, and confidence that your financial well-being is consistently looked after.
Use the advice fee calculator below to work out our fees
Please note that the calculator is designed to give you an estimated fee for investments and pension business which is to be managed on an ongoing basis and the maximum fee charged is £10,000.
Transactional Advice
We do also help with Transactional advice such as Annuities and our minimum fee is £750 and we generally charge 4% of any amount below £100,000 and the same amount as per the calculator for amounts over £100,000 and £200,000.
Example
If you were to put £250,000 of pension funds into an annuity, the fee would be as follows:
£100,000 at 4% (£4,000) and for the next £100,000 charged at 2% (£2,000) and the remaining £50,000 charged at 1% (£500).
Total fee charged £6,500
Mortgage & Protection Fees
Fee & Commission
A minimum fee of £300 on application with a further £395 when the mortgage is offered plus any commission that we may receive from the lender.
Should you not complete on an offered mortgage due to a purchase falling through or because you have changed your mind, we reserve the right to invoice for the amount of commission that would have been received from the lender.
Protection (Non – Investment Insurance for instance; Life Insurance, Critical Illness and Income Protection)
We do not normally offer a ‘fee option’ in respect of any non – investment protection insurance business. We are paid by commission from the selected provider which will have an ‘initial earnings period’ of up to four years.
If the contract is cancelled within the initial earnings period, the insurer will always reclaim any outstanding commissions which will be invoiced to you.
Should you feel that you may not keep an insurance contract for the initial earnings period we can explore other fee options.
