Our Service & Fees

Our Service

Our primary objective is to ensure that you have enough money for the rest of your life to enable to you to do the things that you want to do. This is Life Changing Advice.

We do this by gathering information regarding the existing pension, savings and investments that you have and then looking at how long they would last given certain assumptions of investment returns and inflation. We also need to really understand what you spend at the moment and how you think your spending patterns will change over the rest of your life. Although this involves a number of assumptions we believe this is the best way of having some idea of hitting your objectives.

Integrated Advice

We have broadly four stages:

1. Getting to know you and your values
2. Preparation of your Financial Life Plan
3. Implementation your Financial Life Plan
4. Ongoing monitoring and review

Fundamental to your Financial Life Plan is using Cashflow Forecasting – you can find more about what it is and how it works here:

Our Fees

The initial meeting is at our expense, and it is a chance for us to see if we can add value and for both of us to get to know each other better.

ArrangementMonetary Cost% ChargeFrequency
Financial Lifestyle Plan including cashflow forcasting£1500-Initial
Plan review£300 each-Initial
Policy set up£275 each-Initial
ONGOING
Annual financial plan review£900-Annually (or £80 per month)
Annual investment review-0.5%Annually, paid monthly
Twice yearly investment review-0.8%Annually, paid monthly
Financial Services Compensation Scheme Levy£75-Annually

Once we have established the funds that you need to have and to ensure that those will last for the rest of your life, we then need to confirm that your existing plans are ‘fit for purpose’. Rather than assume an existing plan is or is not up to the task of being sufficiently flexible for the plans that you require, we will examine that arrangement and carry out a thorough plan review. Each plan that we review for you has a fixed cost of £300.

If we believe that an existing policy will not deliver what you require or we believe that you need something else to meet your objectives then our standard cost for implementing a policy will be £275.

There may be some specific arrangements which need costs greater than this and this is typically more complex tax planning arrangements However, where appropriate we will always explain these additional costs to you before we progress towards a recommendation. They will be quoted as fixed monetary amounts.

Ongoing Reviews

At these annual reviews we will see how you are progressing with the financial plan and ensuring that you continue to remain on track to meet your objectives. Likewise, we can update any of your circumstances and fund valuations in comparison with the preceding year.

This will give you complete reassurance as you move towards your retirement, or move into your retirement, that you still will have enough funds for the lifestyle that you wish to have.

For more information or to book your first meeting, please contact us today.