Packages to suit your financial needs
Whether you’re just starting to grow your wealth or managing a complex portfolio, our packages offer the flexibility, expertise, and personalised attention you need to achieve your financial objectives. Explore our carefully crafted packages below, each offering a suite of benefits that increase in value and support as your requirements grow.
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Our Charging Structure
To deliver outstanding financial advice to you we charge in two different ways.
The range of packages outlined above, offer the ongoing services to keep you on track towards your financial goals. In addition to this, is our initial analysis, advice or life planning that determines your path to financial freedom. This is not charged based on a percentage of your investable assets but is an initial fee based on the time and complexity of the work we do for you. We believe this is a more upfront, transparent and fair approach for you.
We will have a series of meetings together to ascertain key facts and aspirations about your financial situation and use this information to generate a quote for the cost of the work. Only once you agree will we produce the comprehensive report that constitutes our financial advice to you, and it is at this stage that we charge the initial fee for delivery. Either way, whether you choose to proceed with the report recommendations or not, the evaluation is yours to keep and utilise as you wish.
Continuing with the implementation of advice recommended will be under one of our packages aligned to helping you achieve your financial goals. At this stage, any initial or package fee can be issued directly from your investments, so you don’t even have to worry about that.
We know our clients all have different requirements and that costs do vary. To give you some idea of what these could look like, we have illustrated a few common scenarios to bring this to life but do get in touch with us to discuss your personal situation.
Example 1
Full life planning and first-time investment
Jane came to us after inheriting the proceeds of a house sale from her late father. With the sudden inheritance of £300,000 she decided it was time to seek specialist advice as to what she should be doing. We provided her a full life planning session, helped her map out goals for the future and gave investment advice to use tax efficient vehicles.
Initial Fee: £2,300
Onboarding, life planning, product recommendation and setup.
Ongoing Fee: 0.84% or £2,500 / year
with ongoing servicing in our Core package.
Example 2
Pension consolidation
Over 25 years of working, Steve had amassed 3 workplace pensions across different providers and funds. He came to us to bring all his pensions into one to see what his retirement income might look like and plan his retirement.
After contacting the pension providers on his behalf, we discovered that he has a total of £250,000 across the 3 pensions and we brought them all together into one, saving him money on provider fees and improving the investment selection by aligning it with his risk appetite.
Initial Fee: £3,500
Onboarding, retirement planning and pension consolidation x3.
Ongoing Fee: 0.88% or £2,200 / year
with ongoing servicing in our Core package.
Example 3
ISA transfer
Mr and Mrs Dean had a high street cash ISA with £130,000 that they felt was underperforming. They were interested in the world of stocks and shares but had little experience with it. They approached us to see if we could recommend something for them and after gathering some information and assessing their risk level, we were happy to recommend a move into a discretionary managed stock and shares ISA with one of our preferred investment platforms.
Initial Fee: £1,400
Onboarding and ISA transfer.
Ongoing Fee: 0.65% or £845 / year
with ongoing servicing in our Essential package.
Example 4
IHT Planning
Bogdan and Roberta had a large family home but with their children grown and with families of their own, they wanted to downsize. Whilst doing so they needed to ensure that the £400,000 they had left from the process was passed down to their children efficiently. The proceeds were placed into an inheritance tax planning scheme for them to help minimise the tax burden.
Initial Fee: £1,800
Onboarding, estate planning, product recommendation and setup.
Ongoing Fee: 0.79% or £3,160 / year
with ongoing servicing in our Core package.
For Premier clients who seek personalised financial strategies, we can offer flexible, bespoke solutions.
As a Premier client with over £1m of investable assets we can offer the opportunity to create something entirely bespoke to your requirements. With direct access to our investment management team, we can work with you to build custom strategies that further align with your individual circumstances and aspirations. You can hold cherished assets alongside discretionary managed investments, we can apply varying risk profiles to different investments, and even deep dive into multi-generational wealth management. Contact us for a one-to-one discussion to find out more.
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