Our initial consultation is without charge or obligation. This enables our prospective clients to find out more about our firm and to feel comfortable that we are able to help them acheive the best possible outcome. It also enables us to learn about your circumstances and requirements and to determine how best our services can add real value for you. The initial consultation can be by telephone or a face to face meeting. We are also able to offer audio and video conference facilities if preferred which can also accomodate the involvement of other family members.
Our fees & charges
We charge fixed fees for our initial advice based upon hourly rates for the schedule of work to be undertaken. Our letter of engagement confirms in writing the work we have identified as being required and our initial advice fee for undertaking this. Clients are then free to consider our proposals and instruct us to do all, some or none of the proposed work. Our initial advice fee includes all work necessary to complete our research, recommendations and ongoing advice implementation.
Our initial advice fees are normally payable over installments thoughout the advice process and where appropriate we delay the charging of the final 10% of our fee until clients are completely satisifed we have completed all work as outlined in our letter of engagement.
It is important to ensure that initial advice continues to meet our clients objectives and for this service we can offer a fixed fee based on client needs. The charge for this service is normally paid monthly with an agreed review basis.
Unlike many other financial adviser or wealth mangement firms, we charge fixed fees for our investment management services. We do not bundle or hide our charges by applying percentage based fees to your investments. We provide two investment management services.
Account Management - This service relates to each individual investment account and includes the initial allocation of funds to the selected risk profile, the maintenance of optimum cash balances, audit and verification of contract notes and a monthly report detailing results and comparison against chosen benchmarks. Our charge for this service is £26.61 per month, per established account.
Profile Management - For actively managed accounts we apply a profile management charge. This service enables us to monitor and maintain the most appropriate asset allocation within an agreed risk profile. It includes a monthly review of profile criteria, individual fund selection and ongoing monitoring. It also includes personalised recommendations and implementation of changes to individual portfolios. We provide a monthly bulletin on key investment issues, profile changes and topical stories of interest. Our charge for this service is £37.27 per month, per established account, with discounts for multiple accounts.
Optional online access to all accounts is avaiable at no extra charge.
Our investment management charges are not applied to Bank & Building Society deposits or National Savings & Investments accounts.
Tel: 01204 329489 Email:
With all our fees, our objective is to deliver our clients with independent advice, the highest level of service and excellent value for money.
Our fees might range from £100 from a simple advisory note to explain how a tax refund might be obtained to several thousand pounds for complex estate and care planning advice. During 2017, our average client fee was £3,326.