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When it comes to how we charge our clients for our services we have four over-arching principles, which are:
1.
Fees must be simple, clear and transparent. No fee structure should require a degree in Maths to understand it.
3.
All of our clients should be treated equally. One fee rate for everyone.
2.
The payment of our fee must never be dependent on recommending any product or solution to you.
4.
The fee charged must be fair to both of us.
You must receive value well in excess of the fee charged, while our fees should also be sufficient to allow us to continuously improve the service that we deliver to you.
What we charge
For ongoing planning and advice, we charge a flat annual retainer of between £3,000 and £6,000.
The fee that you pay will be all-encompassing. No additional initial, exit or administrative fees will be charged, and if we receive any commission for recommending a certain financial product to you (for example, an insurance policy) - we will rebate this to you. It is your money.
To calculate the level of our ongoing advice fee, we begin by establishing the total value of your "investable assets". For this purpose, your investable assets are defined as the net value of any assets that you own, excluding your home. Investable assets may include, but not be limited to pensions, ISAs, cash savings and/or rental properties.
Our annual advice fee will initially be set at 1% of the total value of these investable assets, subject to the £3,000 minimum and £6,000 maximum annual fee highlighted above. The below table sets out some examples of how this fee would be calculated in practice.
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Our ongoing fees can either be settled by yourself directly from your bank account, or taken from the value of your investment portfolio. If the latter, it is important to note that these fees will reduce the value of your investments accordingly.
Your annual advice fee will be reviewed and agreed each year during our annual planning meeting. We reserve the right to amend the above charging structure at our discretion - however we would of course inform you of any changes before they are implemented.
In the majority of cases, our fees will not be subject to VAT. However, before asking you to sign our Fee Agreement, we will confirm the VAT position in respect of the work that we have agreed to undertake on your behalf.
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