A man at his kitchen table smiling at a message on his phone

An annual review is not a relationship.

Blincoe clients have two reviews a year, and a WhatsApp group with their planner for everything in between.

See if we'd be a good fit

Two minutes. No obligation.

The Blincoe service promise

What changes when you move to Blincoe

If you already have a planner, see if our approach would suit you better.

Typical of the industry With Blincoe
Formal reviews
Typical of the industryOnce a year
With BlincoeTwice a year
Between reviews
Typical of the industryYou email, they reply eventually
With BlincoeFast replies to every query
Reaching your planner
Typical of the industryA switchboard or a shared inbox
With BlincoeA WhatsApp group with your planner, during working hours
Reports
Typical of the industrySeveral weeks
With BlincoeA few days, once providers respond
Cashflow planning
Typical of the industrySometimes offered, sometimes at extra cost
With BlincoeIncluded as standard on all plans
Planning fee
Typical of the industryA percentage of assets, so the bill grows as your wealth does
With BlincoeA fixed monthly fee from £200, based on complexity, not portfolio size

With a fixed fee, the difference stays invested and compounds over time.

Moving from your current planner

Most of the move is paperwork with your existing providers, and Stephen, our administrator, handles it.

Before anything moves, your planner will explain what's moving, when, and whether your current providers apply any exit charges.

What does it cost to switch?
Base set-up feeDesigning and creating your plan £500
Pension transfersPer pension over £50,000. Nothing below that. £500 each
ISA & GIA transfersPer account over £25,000. Nothing below that. £250 each

One-off fees, confirmed in writing before any work begins. Nothing is payable until your agreed plan is in place and the first contributions or transfers have completed.

What does ongoing planning cost?

There are four plans, from £200 to £500 a month, depending on how complex your finances are. The fee is fixed and doesn't rise as your portfolio grows.

What other costs are there?

Depending on your plan, there may be platform and fund charges. These aren't specific to Blincoe and you'd find them at almost any financial planning firm. The platform that holds your investments typically charges 0.15% to 0.20% a year, lower for larger portfolios. The funds themselves charge around 0.35% a year on our core investment proposition, paid to the fund managers, not to us. Your personal illustration confirms the exact figures before you commit.

Is the introductory call free?

Yes, and there's no obligation. The call, the analysis, the cashflow modelling and the presentation of your plan are all free. Fees only start once the plan you've agreed is in place.

Are you independent?

Yes. Blincoe isn't tied to any provider, so recommendations come from across the market. There are no platform kickbacks to us.

Does WhatsApp replace meetings?

Not at all. It is a supporting contact channel you can use, where your financial planner, paraplanner and admin can all support you with your queries. Reviews are still held by video call, and the group covers the months in between.

Next step

See if we'd be a good fit

A few questions about where things stand now. If it looks like we can help, you can book a free introductory call at the end.

Request Your Free Call

Two minutes. No obligation.

WhatsApp support is available during business hours. Service inclusions may change. Fees and charges shown are correct at the time of writing and are confirmed in writing before any work begins.

The value of investments and any income from them can fall and you may get back less than you invested.