How My Fees Work
I charge for my time, expertise, and the ongoing service I provide. All fees are agreed upfront before any work begins, so there are no surprises.
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My fee structure is straightforward: an initial charge for advice and implementation, plus an annual ongoing charge for portfolio management and reviews.
COST = CHARGE + ANNUAL ONGOING CHARGE
INITIAL CHARGE
My initial advice fee is charged as a percentage of the assets being invested or transferred, with a minimum of £2,500.
Typical charge: 3% of the value of assets
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This covers:
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Comprehensive review of your current position
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Analysis of your options
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Personalised recommendations
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Implementation of agreed strategy
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All initial administration and paperwork​
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For some products (such as mortgages and protection insurance), I may receive commission from the provider instead of charging you directly. In both cases, you're paying for advice - either through a fee or through a product cost that includes adviser commission.
CHARGES - EXAMPLE
Based on an investment of £190,000
Investment Amount: £190,000.00
Charged at 3%
Initial charge: £5,700.00
This is a one-time charge for setting everything up and implementing your strategy.
Annual Ongoing Charge
My annual ongoing charge is 0.75% of funds under management.
Example:
For a portfolio of £100,000:
Annual fee: £750 per year
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This ensures your investments remain aligned with your goals and circumstances as they change over time.
What you get for your ongoing fee
Your annual ongoing charge includes:
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At least one comprehensive annual review
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Ongoing monitoring of your portfolio
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Portfolio rebalancing when needed
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Updates on changes to legislation or products that affect you
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Regular communication and support
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Adjustments to your strategy as your circumstances change
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Access to me when you need guidance
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The ongoing charge covers any changes needed to your existing portfolio. You're not paying extra every time we make an adjustment.
