Our high-quality advice is generic, not product related. Where products are required, the true independence of our service is guaranteed by the fact that we have no links or allegiances or undisclosed commissions. Any commission paid, either initial or regular, is used to offset our fees. Full information is available in our Terms of Business.

As well as delivering excellent value to our clients, this also ensures that our research is truly original and independent, since no company can buy its way into our recommendations.

Financial Planning

For financial planning work not immediately related to the investment of a lump sum, a charge is calculated at an hourly rate. The rate charged is based upon the qualifications and experience of the adviser or support staff dealing with the different aspects of implementing and reviewing the financial plan.

Our financial planning advice and services will usually pay for themselves. The cost is often covered by savings in tax and/or by the fully declared commissions, together with improvements in investment returns gained through our careful management.

We are always happy to have an initial meeting or telephone assessment to establish your circumstances and needs and give a clear a guide to the expected level of our charges.

Investment

Investment portfolio set-up charges are normally based on the value of the invested sum.

The maximum initial portfolio management fee is:

£50,000 – £500,000	3%
£500,001 – £1,000,000	2%
£1,000,001 upwards	1%

The annual portfolio management fee is 0.5% of the annual funds being managed.

This covers the cost of an annual meeting, revised asset allocation work leading to carrying out any necessary fund switches, and usually covers all necessary financial planning work too. If additional hourly rates apply this will be discussed in advance.