Our Services & Fees
Find out more about our independent financial advice services and charging structure
Our Independent Financial Advisers use their expertise and experience to construct a bespoke financial strategy for you. We provide this advice on a fee basis, which is agreed with you before we commence work.
We are clear, fair and not misleading in how and why we charge client fees, and feel it important that we explain the types of fee you may be charged if you instruct us, and what we will deliver to you for this fee.
Our Initial Advice Fee
Our Initial Advice Fee pays for our detailed financial advice and analysis. We will:
Our Implementation Fee
Our Implementation fee pays for our expert arrangement of any financial product(s) we have recommended in our Suitability and Investment Report. We will also arrange and manage the transfer of any existing plans as required. We will:
Our Ongoing Advice Fee
Our Ongoing Advice Fee pays for regular financial advice, ensuring your financial plan remains appropriate to your personal circumstances, and changes in legislation and market conditions. We will:
Detail on our Fee Structure can be found in our ‘Information about our Services’ here.
If you would like any further information on any of the above services or fees, please do not hesitate to contact us.
After advising on your financial strategy, we may recommend other parties who provide financial products or specialise in investment management. We will always disclose any third parties’ fees in our written Suitability and Investment Report. As a guide, examples of these may be a:
Platform or Provider
Each financial product you have invested in will require management and administration by a separate entity to ensure the product meets its regulatory obligations across various bodies. Product fees are typically expressed as an Annual Management Charge (AMC). This is a percentage of the total amount invested per annum, or alternatively paid on a fixed flat monthly basis. For this fee they will:
Discretionary Fund Manager
These are specialist investment experts who run portfolios, helping you to meet your investment goals. Similarly to a Platform or Provider, their services are typically paid for by an Annual Management Charge (AMC). For this charge the Discretionary Find Manager will:
Each investment or pension fund that a Discretionary Fund Manager may elect to invest in is run by a Fund Manager. Again, their services are typically paid for by an Annual Management Charge (AMC). For this charge the Fund Manager will:
If you would like any further information on any of the third-party services or fees as mentioned above, please do not hesitate to contact us.