Fairer Fees: We Are Entirely Fixed Fee
See How Much You Could Save
A study by the Financial Conduct Authority (FCA) found that the average total costs for financial advice in the UK were around 1.90% per year. This includes both the ongoing advice fees (0.80%) and the costs of investing (1.10%), including platform fees, underlying fund charges and transaction costs.
With our fixed fee model, most of our clients will pay significantly less. Find out for yourself using our free fee comparison calculator:
The information provided is for illustrative purposes only and does not constitute personalised financial advice or a recommendation to invest. Any projections shown are hypothetical and are not guaranteed. They are based on assumptions which may not reflect future performance. Investment returns can go down as well as up, and you may not get back the amount originally invested. The impact of fees, charges, and taxation has been taken into account where stated, but actual costs may vary depending on your individual circumstances.
The Problem with % Fees
For decades, financial advisers have typically charged clients a percentage of their investments. However, this approach can create a number of potential conflicts of interest:
1. Misaligned Incentives
When fees are tied to portfolio size, advisers may be rewarded for growing assets—not for giving the right advice. This can lead to:
Discouraging debt repayment or cash reserves
Pushing higher-risk investments for growth
Steering retirees away from annuities to preserve funds under management
2. Unfair Pricing
Percentage fees penalise those with larger portfolios.
A £2 million client might pay four times more than someone with £500,000—for the same service. This results in:
Larger clients subsidising smaller ones
Advisers prioritising wealthier clients over others
3. Poor Transparency
Fees are often deducted invisibly from portfolios, and many clients don’t know what they’re paying—or how it affects long-term outcomes.
Fixed Fees: A Better Way
1. Clear and Predictable
With fixed fees, there are no surprises. You know exactly what you’ll pay, making it easy to budget and understand the value of the advice you receive.
2. Aligned With Your Interests
Our fees don’t depend on how much money you have invested. This means our advice is always focused on what’s best for you—whether that’s investing, holding cash, or paying down debt.
3. Fair and Equitable
You pay based on the complexity of your needs, not the size of your portfolio. Everyone gets the care and attention they deserve—no cross-subsidies, no bias.
4. Better Value
With a traditional 1% fee, £2 million in assets could cost £20,000 a year.
Our fixed fees are typically £4,000–£8,000—reflecting the actual work involved, not the size of your portfolio.
Use our comparison calculator to see the difference.
Our Fee Structure
Initial Advice Fees: £500 setup fee, plus £500 for each pension transfer and £250 for each ISA or General Investment Account transfer*.
Ongoing Advice Fee: Annual fees start at £4,000 a year, increasing to £6,000 if one of the following applies and £8,000 if both apply:
You are approaching or in retirement: if you’re within five years of retirement or already retired, you require more detailed cashflow modelling and retirement income planning.
You have complex investments: such as Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EISs), Business Relief investments, onshore/offshore bonds, Family Investment Companies, or discretionary trust structures.
This tiered structure ensures that fees reflect the level of work involved in managing and optimising your financial plan.
*We waive initial transfer fees on ‘small pots’ (pensions worth less than £50,000 and investments worth less than £25,000)