Our process
and fees
We believe that financial planning is not all about your money; it’s about you, your life and what you want to get out of it. So, whether that is working towards a happy retirement, long-term financial security or protecting your loved ones, your goal is our goal.
We believe financial advice should be clear, transparent and agreed in advance – so you always understand what you are paying and why.
At the same time, no two clients are the same. The cost of advice depends on the level of planning, analysis and implementation required, and this isn’t always fully clear at the outset.
That’s why our process starts with an initial conversation at our expense. This allows us to understand your circumstances, what you’re looking to achieve, and whether we can genuinely add value.
Following this, we will provide a clear recommendation of the work involved along with a transparent fee, agreed with you before any chargeable work begins.
Our approach ensures:
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No hidden costs
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No unexpected charges
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Complete clarity before proceeding
We do our best work with clients who are looking for long-term financial planning and typically have around £500,000 or more in investable assets. This allows us to deliver meaningful value through structured planning, tax efficiency and ongoing advice.
Your Financial Planning Journey
STAGE 1
Consultation
Getting to know each other and your goals.
Understanding your circumstances and financial situation. We pride ourselves on our personalised service which means we never use a one-size-fits-all approach to financial planning.
STAGE 2
Planning
Understanding and analysis
We'll review your existing financial plans, policies and commitments and undertake a period of thorough research to allow us to assess your objectives against your finances and make our recommendations to you.
STAGE 3
Implementation
Designing and implementing your strategy.
Preparing your personal report detailing tailored financial recommendations for all the areas you wanted to review.
STAGE 4
Ongoing Service
Ongoing service
We aim to build long-lasting, trusted business relationships with all our clients. As life changes, so we will be by your side to offer our support and adapt your financial plan to make sure it keeps paces with the changes in your life.
Stage 1 - Consultation
Getting to know each other and your goals
Our first meeting is about understanding you.
We’ll take the time to learn about your circumstances, what’s important to you, and what you’d like to achieve – both now and in the future. We’ll also explain how we work, the services we offer, and how our fees are structured.
This is a two-way conversation. It gives you the opportunity to decide whether we’re the right fit, and allows us to assess whether we can add meaningful value to your situation.
We don’t believe in a one-size-fits-all approach – every recommendation we make is built around your individual goals.
Fees
There is no charge for this initial consultation.
Stage 2 - Planning
Understanding, analysis and recommendations
This is where we carry out the detailed work.
We’ll gather and analyse your financial information, review any existing arrangements, and build a clear picture of your current position. From there, we develop a structured financial plan aligned to your goals.
This may include:
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Cashflow modelling to test your plans
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Investment and pension analysis
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Tax planning opportunities
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Recommendations to improve outcomes
You’ll receive a personalised financial planning report, setting out clear and practical recommendations.
Before we begin this stage, we will agree the scope of work and confirm the fee with you.
Our Planning Fees
Straight Forward | Comprehensive | Complex |
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Typically includes: | Typically includes: | Typically includes: |
Review of existing pensions or investments Clear financial recommendations A written financial planning report Guidance on implementing the recommendations | Multiple pensions and investments Retirement planning and cashflow modelling Tax-efficient structuring Detailed financial recommendations | Detailed financial modelling Business owner planning Complex retirement income planning Multiple planning areas and assets |
Typical clients may include: | Typical clients may include: | Typical clients may include: |
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£1250 | £1750 | £2250 |
We will confirm the exact fee with you before any work begins
Stage 3 - Implementation
Putting your plan into action
Once you’re happy with the recommendations, we’ll help you put your plan into place.
This includes:
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Arranging new investments, pensions or protection where appropriate
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Managing transfers and consolidation of existing plans
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Handling the administration on your behalf
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Keeping you updated throughout the process
Our role is to make implementation as smooth and straightforward as possible, removing the burden from you while ensuring everything is set up correctly.
Fees
Our implementation fee is typically 1% of the amount invested, agreed in advance before any work is carried out.
Stage 4 - Ongoing service
Keeping your plan on track
Financial planning is not a one-off event – it’s an ongoing process.
As your circumstances change and markets move, your plan needs to adapt. Our ongoing service ensures your strategy remains aligned with your goals.
This includes:
Regular review meetings
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Ongoing monitoring of your investments
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Updates to your financial plan using cashflow modelling
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Proactive planning opportunities as they arise
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Access to advice when you need it
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We aim to build long-term relationships with our clients, providing clarity and reassurance as your financial journey evolves.
Fees
As a guide our ongoing advice fee is 1% per annum on the first £500,000, and 0.25% thereafter, based on the value of assets under our advice and complexity of circumstances.
Your partner in financial success
We’ve been providing expert financial advice for more than 45 years. Why have we been so successful?
We like to think we’re more than just top-notch financial planners; we’re relationship builders too. As a family-run practice, we’re proud of the trusted relationships we’ve built and the professional, friendly advisory service we’ve provided to our clients since 1978.
If you’d like to find out how we can help you and your business, use the contact form below.