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Some of the areas we will cover...
Retirement Planning
Cashflow Forecasting
Inheritance Tax Planning
Pensions
Life & Health Insurance
Gifting
Investments
Spending Plans
This program will provide you with.............
A Clear Financial Roadmap
You’ll gain a step-by-step plan tailored to your unique goals, providing clarity and direction for your financial future.
Confidence in Your Financial Decisions
With expert advice and ongoing support, you’ll feel empowered to make informed decisions about your investments, pensions, and overall strategy.
Peace of Mind About Your Future
Know that your finances are aligned with your life goals, ensuring a secure and sustainable future for you and your loved ones.
Tools to Adapt as Life Changes
Our ongoing reviews and detailed cashflow modelling will keep your plan flexible and adaptable to any changes in your circumstances.
Our Fee Philosophy
Transparency and openness are at the heart of how we work with our clients.
We believe it’s essential to provide a clear and detailed explanation of our fees at every stage of the process, ensuring there are no hidden surprises.
Our approach is rooted in fairness—fees are based on the complexity of the work involved in creating your financial plan.
Some clients may require more detailed and intricate planning and implementation, while others may have simpler needs.
This approach ensures that you only pay for the level of service you need and the complexity of the advice provided.
Not all clients require every stage of our advice process, and we’ll help you decide what’s right for you during our initial meetings.
If you have any questions about our fees or the services we provide, please don’t hesitate to contact us.
Before proceeding with any chargeable work, we’ll provide you with a detailed estimate of costs following your initial meeting.
Your consent will always be obtained before any fees are incurred.
Transparent Fees with No Surprises
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Onboarding Fee
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The initial onboarding fee reflects the complexity of your financial needs and ranges from £1,500 to £7,500. This fee will always be communicated upfront before any work begins. Payment can be made directly or facilitated through an existing financial product, if necessary.
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Implementation Fee
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We do not charge an additional implementation fee for any investments or pensions recommended to you. The onboarding fee includes advice, administration, and product setup if needed.
What’s Included in Ongoing Support
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Our ongoing service fee is 0.75% of funds under management, providing exceptional value and comprehensive support to help you achieve your financial goals.
Here’s what’s included:
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Detailed cashflow modelling to forecast your financial position year by year and visually bring your goals to life.
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Regular reviews to assess investment performance and track progress on your life plan.
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Annual assessment of your attitude to investment risk, capacity for loss, and willingness to take risk.
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Ongoing suitability and tax-efficiency assessments for investments and wrappers, including necessary changes.
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Annual assessment of your income and outgoings to ensure future sustainability.
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Ongoing monitoring of investments for performance and suitability.
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Regular reports to review progress and adjust your strategy as needed.
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Review of your personal tax position, including income tax, capital gains tax, and inheritance tax planning.
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Annual reassessment of your protection needs.
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Regular newsletters and updates on legislative changes.
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Telephone and email support outside of annual review meetings.
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Valuation statements and information for tax returns on request.
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Advice and implementation of new investments or pensions.
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Investment switch service.
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For more information on any aspect of our service or fees, please contact us. We’re happy to answer your questions.
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