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.
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
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
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
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
The ongoing charge covers any changes needed to your existing portfolio. You're not paying extra every time we make an adjustment.
