How We Are Paid

Pensions and Investments

We do not charge any up front fees. This means that any initial consultation will be free of charge.

We will only charge you based on the money that we look after. We charge a rate of 0.50% per annum on the total value that we manage. This covers all charges for all work that we do for you on the wealth that we manage. This is taken on a monthly basis directly from the funds that we manage.

Example 

Based on a fund value of £100,000, an ongoing charge of 0.50% would mean that it would cost £500 per annum to provide an ongoing service

£100,000 x 0.50% = £500

If the fund value increases over time, the ongoing cost then increases accordingly. Conversely, if the fund value decreases over time, then the ongoing cost will reduce.

Mortgages & Equity Release

A flat fee will become payable on completion as set out below:

We will also receive a commission from the lender. The exact amount of commission received is not known at outset.  We will confirm the actual amount to you as part of the lending illustration we are required to obtain from the lender.

Insurance 

We arrange the policy with the insurer on your behalf. You do not pay us a fee for doing this. We receive commission from the insurer which is a percentage of the premium you pay to the insurer.