Financial Planning and Advice Fees

We translate your priorities into practical financial objectives, providing you with actionable financial strategies, tax planning and investment advice that makes sense for you and your family. We regularly review and monitor your portfolio to ensure confidence in the financial decisions you make and to identify where adjustments may be made as as personal, regulatory and macroeconomic circumstances change.

Initial advice

Whether you’re looking to save for the future, generate cash for the present, plan your retirement or invest in a tax-efficient way, there are a number of important decisions you’ll need to make about how, when and where to invest your money.

  • Every client is individual and it requires a detailed look at your personal circumstances, understanding what you want to achieve with your finances, both now and in the future.

  • Much of your financial plan will involve risk-based investments, such as stocks and shares. Although these types of investment are proven to be beneficial to investors over time, their performance can be volatile. Assessing your tolerance to this volatility will help to construct a portfolio of investments with which you can feel comfortable in terms of the level of the fluctuations in value over the life of your plan.

  • This possibly involves a variety of complex decisions and combining several products and services, which themselves may be complex and may include:

    • Tax planning. Ensuring you maximise the reliefs and allowances available to you

    • Retirement planning. Ensuring that you are maximising the use of your pension benefits.

    • Cash flow modelling. Creating a realistic idea of what your finances might look like in the future, if you act on the advice given.

Our Services

Ongoing Advice

Ongoing advice is key to reaching your goals and securing your financial future. We work closely with you to grow and sustain your wealth - reviewing your financial position and adapting your financial plan to meet changing personal and economic circumstances.

By keeping your financial plan relevant and effective it is possible to make the most of opportunities as they arise; to minimise and protect you from new risks; and to manage the impact of changes in government regulations.

  • Over the life of your financial plan, many things may change: your personal circumstances, your income and expenditure, and tax law are but a few of them. Regular reviews will ensure your plan remains up to date.

  • It is important to look at the asset classes making up your portfolio of investments over time. We will work with you to ensure that the mix of these assets matches your circumstances. For example, as you enter retirement, it might be appropriate to reduce the number of riskier assets that have helped achieve growth in your portfolio in the past.

  • Probably the least understood aspect of financial advice but arguably the most valuable.

    As human beings, we are subject to a myriad of emotional and behavioural biases. Whilst useful to us historically in terms of survival, these biases tend to not help in decision making when it comes to our investments, particularly when it comes to market falls. We help you to make the right decisions at the right time when it comes to your investments.

  • It is important to make sure that, if you are withdrawing funds, this is done in a tax efficient manner, as well as ensuring the integrity of your investment strategy is maintained.

  • It is important to marry your long-term objectives with the level of risk you are prepared to accept. This will dictate the mix of investments that we will create initially, but this mix may change over time, to suit changes in your circumstances.

    There may also be changes in relation to the individual investments that you hold which might require a switch to another fund, or a change to the economic outlook, which requires changes to your asset allocation.

  • This is the process of ensuring that as the assets that make up your investments perform differently over time, this may create imbalances in the make up of your portfolio, possibly changing its risk characteristics. A regular review will enable your portfolio to stay aligned to your risk profile.

Our Promise

  • Fees low

  • VouchedFor (include link) that our fees are the lowest can be - charge less than 85% of other advisers. This is not because we scrimp on the advice we offer but rather because our investment philosophy is focused on offering the best possible return for the lowest cost. Our operating costs are as low as they can be as we work remotely and spend only where it really matters - on the best industry leading technology and training……

  • We encourage you to speak with other advisers before making the choice to go with us and are quite confident that you will not be disappointed.

  • After fee structure add in button to contact us to discuss.

Foundation 1

Assets <£100k

Suitable for those at the start of their financial plan, with little or no accumulated assets.

Initial charge: 0%

Annual Charge: 0.8% of funds under management

Foundation 2

Assets <£500k

Suitable for those in the early stages of their financial plan, with less than £500k in accumulated assets.

Initial Charge: 0.7% of funds invested

Annual Charge: 0.7% of funds under management

Structure

Assets <£1m

Suitable for those who have accumulated investable assets above £500k.

Initial Charge: 0.6% of funds invested

Annual Charge: 0.6% of funds under management

Definition

Assets £1m+

Suitable for those who have accumulated investable assets in excess of £1 million.

Initial Charge: 0.5% of funds invested

Annual Charge: 0.5% of funds under management