Financial planning designed around your life
We believe that great financial planning starts with really understanding you. It's not just about your money – it's about what truly matters to you and your family and building a financial plan that helps you achieve the life you want to live.
Our simple process is broken down into three steps
1. Listen & Discuss
We start by getting to know you, not just your finances, but your concerns, your hopes for the future and the life you want to live. This is a deep, thoughtful conversation. We’ll ask a lot of questions and give you the space to ask yours, too.
2. Recommend
We review all your current arrangements, such as pensions, investments, insurance and identify what's working well and what could be improved. We then build you a clear financial plan that will help take you from where you are today to where you want to be.
3. Implement
We put any recommendations made into place so that your finances match your financial plan. This could involve opening new accounts, withdrawing some money or changing your investments.
.png)
Repeat
Life doesn't follow a straight line, the future is never certain and we don't have a crystal ball. Whether it's what you want from life changes, or the world we live in does, it's important to regularly come back to your plan and adjust accordingly.
So, we regularly track and tweak your financial plan to make sure it meets your requirements.
Our fees
We keep our fees clear. There are no hidden costs — just three charges one for planning, one for recommendations and one for ongoing advice.
Initial Planning
This one-off fee covers the creation of your financial plan. The typical cost is £2,500, but we'll provide you with an exact quote tailored to your situation.
​
The fee covers getting to know you properly, understanding your goals, and creating a financial plan that puts your life at the centre. We gather details of your investments, pensions, bank accounts and assets to provide a very clear view of where you're at and where you're heading.
Product Recommendations (if needed)
Sometimes you need specific product recommendations to help maximise the benefit you can derive from your investments and reach your objectives. This is a £2,000 fixed fee that is agreed in advance, we only ask for payment after the work has been done so that we can then decide and agree whether this is to be paid via a product, by the business or personally.
Ongoing Management & Advice Fee
Our ongoing management and advice fee is calculated as a percentage of your total portfolio value and is typically around 1.30%*. This fee covers everything you need: our ongoing advice, investment management, platform charges, fund management costs, and all administration. No hidden extras, no surprise bills.
​
The percentage reduces as your wealth grows - the larger your portfolio, the lower the rate you pay. However, we do apply a minimum annual fee of £4,000 to ensure we can provide the comprehensive service you deserve.
​
*Based on a £1m portfolio, our fee is approximately 1.30% annually - well below the UK average of 2.18% for financial adviser services [Source: Langcat Report, Oct 2020].
Example: What You Might Pay
Let’s say you’re investing £1,000,000 and decide to work with us on an ongoing basis.
​
Initial fees:
​
Financial Planning: £2,500
Product Recommendations: £2,000
Total one-off cost: £4,500
​
Ongoing advice fee:
We use a tiered structure:
1.00% on the first £500,000 = £5,000
0.50% on the next £500,000 = £2,500
Total: £7,500 per year
​
Investment costs:
Typical charges for platforms and funds add up to about 0.55%, or £5,500 per year on a £1m portfolio.
Estimated total year one cost: ~£17,500
This includes planning, implementation, ongoing advice, investment management, and admin support — everything.
​
All costs are explained clearly before we start. No hidden charges, no surprises.
.png)