Financial Planning

This is a holistic advice service, which includes three stages as outlined below.

1) Fact Finding – Establishing personal circumstances and identifying financial objectives, priorities, risk profile and investment preferences.

2) Research & Analysis – Reviewing the suitability of current arrangements, establishing shortfalls in existing plans and creating an overall strategy taking account of objectives, risk profile and tax position.

3) Report – Producing a financial plan which will include recommendations and estimated costs of implementation. If the advice results in the arrangement of a product purchase, the charge may be offset by the financial arrangement fee.

Financial Arrangement

We will provide a quotation based on your requirements.

This is an advice service that will include the purchase of a financial product and will normally be used in combination with our ongoing review service. We charge an implementation fee which is based on the amount and complexity of the work involved, our existing business relationship and any professional liability.

Mortgage Services

We will provide a quotation based on your requirements.

For advice relating to mortgages we have a minimum charge of £500. Our minimum charge may be offset by any fee paid to us from the provider.

We will tell you how much the total fee will be before you apply for a mortgage, but you may ask for this information earlier. You will receive a key facts illustration when considering a particular mortgage, which will tell you about any fees relating to that mortgage. You also have the right to request an illustration for any mortgage we offer.

Mortgages are secured on your home or other property and you could lose ownership of this asset if you fail to keep up the required mortgage repayments.

Review Service

This service is relevant to pensions and investments.

We typically charge an annual fee of up to 0.5% of the value of the investments under management, depending on the intensity of the review service provided, with a minimum charge of £250 per annum. For example, if we agree a fee of 0.5% then the charge could be:

£10,000 Invested = £250 Minimum Charge
£25,000 Invested = £250 Minimum Charge
£50,000 Invested = £250

Fixed Fee Service

We will provide a quotation based on your requirements.

Where we are providing a ‘No Advice’ service, or where the advice required is in relation to a specific area of financial planning (which is not covered under our Financial Planning, Financial Arrangement or Review Service), you may request an estimate on a fixed fee basis. Our typical fees are £100 per hour for advice and research with administration charged at £50 per hour.

For example, if the amount of time taken for advice and research is 4 hours and administration is 6 hours, the total fee payable would be: £700.