Why we charge fixed fees - not percentages

If you have worked with a financial adviser before, you’ll know that they usually charge a percentage of your investments.

We don’t work in that way.

We don’t think it’s right that someone with £1,000,000 invested should pay ten times as much as someone with £100,000 invested if they have a broadly similar service. We also don’t think it’s right that clients’ service should be determined by how much money they have.

We believe that fixed, all-inclusive fees are more transparent and fair. Our clients know exactly what they are paying for when it comes to their financial planning. Nothing is hidden and there are no extras.

How much does financial planning cost?

It can range from a few hundred pounds to a few thousand pounds depending on what you need and how complicated it is. But you do get what you pay for. With our holistic financial planning we will usually make such substantial improvements to your financial situation that you will be much better off as a result, so our fees are usually paid for many times over.

The best way to find out how much it would cost to give you the financial planning advice that’s right for you, is to visit the charges section of our website where we set out all of our fixed fees in black and white.

How are fees paid?

Our fees can usually be paid from your investments and/or pensions by way of an adviser charge deduction paid by the provider, which is normally the most convenient and financially efficient way to pay.

When this is not the case, you can also pay directly.

Am I tied in?

Of course not. We don’t like those sorts of contracts either. If, after a while, you feel we’re not right for you, just let us know. And if you want to adapt the service to make it a little more, or less, comprehensive, that’s fine too.

How much are you currently paying?

Your financial adviser must disclose how much they charge on your investments – if you are not sure then contact them through your usual means and request a breakdown of their charges.

Why we charge fixed fees - not percentages
Tom Roberts 1 December 2021
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