They’ve helped us build a position where we know our family will be okay.
Our fees
We believe in keeping things open and honest, so we’re happy to share our fees online.
Right here, right now, let’s talk about fees
From the outset, we’re transparent about our fees, so there are no hidden costs or nasty surprises. Our fees reflect several factors, including our expertise, qualifications, experience, and the time we spend working on your finances. By operating from Croydon rather than the City, we benefit from lower overheads, allowing us to deliver excellent value without compromising on quality or service.
All our services begin with an initial meeting to understand more about you. This meeting is free of charge and without obligation. If you choose to proceed, we charge an initial fee and an ongoing annual service fee, both of which are explained in more detail below.
Our actual charges will be agreed with you before we do any work, and we’ll explain your payment options too. We’ll also let you know where any fees are subject to VAT.
Financial planning service
Initial fee
Cost: 1% of the total amount invested, with a minimum fee of £3,000.
For pension switches, structured products, trusts, VCTs, and EISs, we charge 1.5% of the amount invested.
The services available to you:
- Agreeing on your financial goals and objectives.
- Establishing your attitude to and understanding of risks.
- Reviewing your current plans, investments, and other assets.
- Undertaking research to identify appropriate plans and solutions.
- Assessing the potential impact of key events on your plans.
- Providing a personalised report about investment products and the fees payable to arrange these.
- A meeting to discuss our recommendations and implementation once agreed.
Here are a couple of examples to help you understand our initial fees:
If you had £400,000 to invest with us, we would charge £4,000.
If you wanted to transfer multiple personal pensions worth £800,000, we would charge £12,000.
58.33
This is how much lower our initial fees are.
Our initial advice fees are much lower than the average financial planner, with FCA research from 2025 showing that the average fee is 2.4%. And it’s not just our fees that clients value. In a recent client survey, 98% said they’d recommend us to friends, family or colleagues, while 99% believe working with us has helped or will help them achieve their financial goals.
Financial planning service
Ongoing fee
Cost: Charged as a percentage based on the amount invested, with a minimum fee of £1,200 per year.*
Total amount invested
Annual fee
Up to £400,000
0.8%
From £400,000 to £1 million
0.6%
From £1 million to £2.5 million
0.5%
From £2.5 million to £5 million
0.4%
More than £5 million
0.3%
The services available to you:
- Annual review meeting either in person, by telephone, or virtually.
- A review of your financial goals and objectives.
- An up-to-date valuation on your current investments made via our services.
- A review of how your portfolio is invested.
- Acting as an intermediary between you and investment providers.
- Assessing the potential impact of key events on your plans.
- Implementation of any agreed changes.
- A summary setting out the results of the review and confirming any changes.
- Access to our client team who will respond and deal with ad hoc queries.
- Periodic investment and product advice.
- Telephone and email support.
- Review of the suitability of products.
- Financial planning advice, and advice on any new financial regulation and legislation.
*We charge a simple, fixed percentage fee based on the total investments under advice, and agreed with you in advance.
Here are a couple of examples to help you understand our ongoing fees:
If you had £500,000 in assets that were placed into an offshore investment held in trust, we would charge £3,000 per year.
If you had pensions and ISAs with a combined value of £2.5 million, we would charge £9,996 per year.
Hear from our clients
I knew the theory, but needed help putting a proper structure around my own finances.
When we retired, we needed help managing everything; now we can just get on with life.
They’ve helped us build a position where we know our family will be okay.
I knew the theory, but needed help putting a proper structure around my own finances.
When we retired, we needed help managing everything; now we can just get on with life.
Read our VouchedFor reviews
Take a look at what our clients have to say. Explore our VouchedFor reviews to read honest feedback and real stories.