Choose clarity with
fixed fees
Know exactly what your financial advice will cost before any work begins, with a clear fee based on the work involved rather than the value of your investments.
Fixed fee financial advice, priced fairly
Good planning starts with knowing where you stand - and that includes the money side of the relationship. You should be able to see what you are paying, what sits behind that number, and exactly what we are doing for it.
Before we recommend anything, we spend time on the detail: your family, what comes in and what goes out, the pensions and investments you already hold, what you are hoping for and what worries you. The fee follows from that work - the analysis, the planning and the support - rather than from the size of your portfolio.
The Financial MasterPlan is quoted as a fixed fee, given to you before a single hour is spent. That one figure covers the forecasting, the tax work, the investment strategy and the recommendations that bring the whole picture into focus.
Should you go on to work with us year after year, we set an ongoing service fee that reflects the value we add, how involved your affairs are and the time needed to keep everything on track. Where a portfolio is smaller, a percentage charge can sometimes come out lower - and we will say so if it does.
What we are after is straightforward: honest advice, costs you can see, and a process that leaves you able to decide with confidence. For a clearer sense of what the fee actually buys, explore our four-stage client journey.
Watch: Fee Comparison
How do our fees compare?
Transparent Pricing
Straightforward fixed fees
Fees are set to be fair and easy to anticipate, so the cost of advice never gets in the way of planning ahead.
Financial MasterPlan
A full plan written around your life - the document that shows you where you are heading and how you get there.
- Full financial analysis
- Detailed cashflow modelling
- Tax-efficient structuring
- Investment strategy
- Clear action plan
Ongoing Service
Continuing planning and coaching sits in one of three bands, chosen by the value added, the complexity involved and the time it takes.
Smaller portfolios sometimes cost less under a percentage charge. Where that is the case for you, the choice is yours to make.
Look at the numbers yourself
A short look at how fixed fees stack up against the traditional percentage-based charging model over time.
What fixed fees give you
No surprises
You see the number before any work starts. It is put in writing and it stays where it is.
Aligned interests
Our income comes from the planning we do, not the size of your pot. No commission sits behind our advice.
Save significantly
Over a long planning life, a fixed fee can cost substantially less than a percentage charge.
Fair for everyone
At £500k or £3m, the charge reflects the service you receive rather than a slice of your wealth.
Fixed fees vs percentage fees
Where our fixed fees part company with the percentage-based approach most advisers use
*An illustration only, modelled over 25 years on a £1m portfolio against percentage-fee levels typical of the wider industry.
What our clients say
Frequently asked questions
Why do you use fixed fees rather than percentages?
Advice should be priced by the thinking and work that goes into it, not by how much you happen to have invested. Under a percentage model your bill climbs every time your portfolio does, even when the planning behind it is unchanged. A fixed fee removes that link entirely.
What does the Financial MasterPlan fee cover?
Your MasterPlan starts with a full review of where you stand today, then builds out cashflow modelling, tax-efficient structuring, an investment strategy, retirement projections and a plain-English list of next steps. Think of it as the whole picture in one document.
How much could I save with fixed fees?
Consider £500,000 invested with a 1% annual charge: that is £5,000 a year, or £50,000 across ten years. A fixed fee is set against the work involved instead, so for many people the long-run cost is meaningfully lower. We will show you the figures for your own situation.
When might percentage fees be cheaper?
They sometimes are, usually where the portfolio sits below around £500,000. If that is true in your case we will say so plainly and give you the choice rather than steer you towards the option that suits us.
Is there a charge for the first meeting?
None at all - we cover it. That conversation is there so we can hear about your circumstances and what you want from life, and so both of us can judge whether our help is genuinely worth having before anything is agreed.
What decides which price band applies to me?
Three things: the value we expect to add, how involved your affairs are, and the time your plan will take to run properly each year. We talk it through openly and settle the figure in writing before we start.
Start with clarity, scale with confidence
You do not need to have all the answers before speaking to us. Tell us what is on your mind and what you would like life to look like; we will help you understand your options and the next step. Book a free, no-obligation conversation with our team today.
