Our Investment Services and Costs

We provide you with an initial consultation free of charge. This helps us to understand your financial objectives and will confirm how we can support you in working towards these. We will also discuss the cost, and levels, of our services both initially and throughout our relationship with you.

We charge our services by way of a fee, based on the following schedule of charges

Financial Review and Recommendation

This can be a continuation from the initial discussion, where agreed, or a further appointment. This process covers the:

  • gathering of information about your existing financial arrangements and full personal circumstances;
  • understanding of your investment knowledge and attitude and tolerance towards investment risk;
  • recommendation of an asset allocation model that matches your risk profile and the subsequent assessment and suitability of any existing holdings;
  • preparation of our recommendations to you;
  • arranging a second appointment to explain and discuss our recommendations in detail.

Our charge for this service is a fixed fee of £500 payable on provision of the report containing our recommendations to you. This fee will be waived wholly or in part should you decide to implement any of our recommendations.

Schedule of Charges

Paying for our services – Investment and Pensions

Our charge for this service is based on the complexity of your case, however it will not be higher than the costs shown below:

The table below sets out our maximum charge

 

INITIAL ADVICE

Single Premiums(1)

Regular Premiums(2)

Personal Pension 3.0%

30%

Pension Transfer (3) 4.0%

N/A

Self Invested Personal Pension(4) 3.0%

30%

ISA 3.0%

30%

 Investment Bond 3.0%

30%

Direct Investment 3.0%

30%

Annuity

3% (min £500)

N/A

 

(1)     On a Single Premium of £50,000 we will charge a one-off fee of 3% of the premium, equivalent to £1,500.

(2)     On a Regular Premium of £2,400 per annum we will charge a maximum fee of 30% of the first year’s premium, equivalent to £720. This can either be a one-off fee or a monthly fee, normally paid by provider. The cancellation of a regular premium policy will make you liable for any outstanding fees due

(3)     On a Pension transfer of £50,000 we will charge a one-off fee of 4% of the premium, equivalent to £2,000.

(4)     Additional charges may be levied for Specialist services, such as property purchase within SIPP contracts, these will be discussed and agreed with you separately

 

We will provide you with an Invoice on completion of our business, which can either be paid directly by you or deducted from your investment. We must receive full payment of the invoice amount immediately, unless you have elected for our fee to be deducted from your investment.

Our fees for our ongoing management service as well as the services we provide are set out in the table below:

Please note: These prices are based on a portfolio containing no more than three policies, anything above this could be subject to additional costs, these costs will be determined by the complexity of your portfolio and will be agreed with you before commencement of contract.

  

SERVICE LEVEL

Level 1

Level 2

Level 3

Transactional only

 

 

 

 

 

 

 

 

 

Annual statement of holdings

Access to our support team

 

 

Professional expertise and governance embedded into our investment processes

 

 

 

 

 

Regular Portfolio Rebalancing

Quarterly

6 monthly

 

 

Regular Valuations

Quarterly

6 monthly

 

 

Quarterly Investment Bulletins

 

 

On-going access to your adviser

 

 

 

Regular Newsletters

 

 

 

Review Meetings including:

6 monthly

Annually

 

 

Review of Objectives

 

 

Review of Risk Profile

 

 

 

Review of Asset Allocation (if required)

 

 

 

Review of Tax Changes

 

 

Updates & Valuations

 

Comprehensive Financial Health Check:

 

 

 

Detailed Tax Planning

 

 

 

Estate Planning

 

 

 

Income / Expenditure Review and Forecasting

 

 

 

Liaison with accountant / solicitor (if required)

 

 

 

 Fixed Cost

 

£1200

 

£500

 

£250

 

£nil