Our fees

We typically charge fixed initial fees which are calculated on a time cost or project basis.

At your first meeting with us, for which we do not make a charge, we will be able to give you a detailed understanding of what those costs will be, including our current hourly rates where those are applicable.

If you choose to have an ongoing relationship with us, we typically work on a “Funds Under Management” basis. Our ongoing charges are tiered so the more money you have invested with us, the lower the charge rate. Our typical client pays us approximately 0.72% per annum. Full details of our charging structures can be found in our Client Agreement.

To ensure that you are always fully aware of our advice costs and how and when you are going to be asked to pay for this, we will always confirm this verbally and in writing to you. We will confirm the exact amount and your preferred payment method.

We are very keen to ensure the total costs of advice and investing are kept as low as possible. High charges are detrimental to long-term returns and one of our roles as your adviser is to minimise these. Most of our clients are invested in our own investment portfolios. The reason we do this is that it better enables us to control the costs our clients incur.

We regularly check our fees against those of our peers and, are pleased to say that we are priced very competitively. As part of our ongoing service to you, we will reconfirm all fees on an annual basis and compare to the market generally.

At the outset, we will arrange a discovery meeting with you, at our expense.

If you decide to proceed in your relationship with us, we will openly discuss and formally agree our fees and charges with you in advance, including when fees will become payable. We typically follow a six-stage financial planning process. You will only authorise us to work for you one stage at a time and you will always know what fee you will be charged before we undertake any work for you. You will never be asked for payment before we commence work.

A combination of both. We typically charge fees in line with our hourly rate for initial advice, and if you decide to retain our ongoing services then we use a “Funds Under Management” charging structure. Our fees will typically come from a percentage of your portfolio that we look after. However, if you only want one-off advice, this will generally be charged as a fixed fee.

It’s a really important question. We know that, just as you will in other areas of your life, you will want to feel confident you’re not spending money on something you won’t gain from in the ways that matter to you.

Our clients tell us that they measure the value they receive from us in many different ways. Here are just some of the benefits our clients told us about in our recent client survey:

“Peace of mind.”
“Having a friendly, knowledgeable person with whom to discuss financial issues.”
“An investment plan that appears to grow quicker than I can drawdown!”
“The knowledge that you are there for us.”
“A clear understanding of my options.”
“Confidence I am making the correct decisions to finance my short/long-term financial goals.”
“Investment security.”
“Trusted relationships.”
“Good outcomes.”
“Growth in investments.”
“CONFIDENCE!”

Our clients see many, important benefits to working with us that reach beyond just the tangible, financial gains they make. We’re delighted to help bring about those outcomes.

We can offer several options to clients on how to pay for our services depending on the work being done. If you wish to pay us directly, we accept cheque or BACS payments. We do not accept payment by cash. Alternatively, in most cases, you may be able to deduct your fee from the investments we implement for you.

*For further information on this, please refer to our Terms and Conditions.