Our Service – What does it cost?

Initial Meeting

We offer all potential new clients an initial meeting, at our expense, without any obligation.

This will usually take place at our offices in Newton Aycliffe where we have all our resources to hand. We will have an informal chat about your current circumstances and what you are looking to achieve from the planning process. By the end of the meeting we should have a broad picture of your financial position and know whether or not it is appropriate to proceed.

Following this first meeting, we will write to you with a personalised agreement to confirm the detailed service that we propose, and how you will benefit, with the exact cost of this service. The agreed fee may be paid by invoice or deducted, with your consent, from any investment or pension product if one is implemented for you.

It’s now up to you to decide to proceed by returning the agreement.

Financial Planning Review

We charge a fixed fee for our full Financial Planning Review.

The minimum fee is £3,000 plus VAT (if applicable) depending upon the complexity of your situation.

At the end of the Financial Planning Review process you will fully understand your current situation. You will have had an opportunity to look into the future to see how it looks compared to your own hopes and expectations. We will make recommendations for change and point you in the right direction. You will certainly be better informed and will understand the steps you can currently take to shape your own future.

We do undertake project work from time to time, and this will either be by way of a fixed fee or by an hourly rate with an agreed ‘cap’.

Lifetime Financial Planning Service

This is the core of our service; checking that you remain on track by constant reappraisal and forward planning.

You will receive all the support you require, and, to use a car analogy, will fully service, wash and polish your affairs at least once a year. We will keep an eye on the financial world to ensure that you continue to make best use of your resources on an ongoing basis.

For our lifetime financial planning service we charge a minimum of £2,500 pa plus VAT to work with you as you progress towards your objectives in life. For those with over £250,000 invested via ourselves we charge 1% plus VAT on the whole portfolio, excluding cash deposits.

Example: if the value of your investible assets is £300,000 we would charge you £3,000 pa plus VAT.

Our typical total portfolio charges are very competitive in the market at 0.66% per annum

Every year your fees for the period are clearly set out in writing, in pounds and pence!

Our fees are payable by periodic invoice, standing order or if it is acceptable to you, by adviser charging against the funds in the investment and pension portfolios that we look after for you.