Our fees explained

Your first meeting

Your initial meeting with us is completely free. There’s no obligation to move forward — it’s simply a chance to talk things through and see if we’re the right fit.

Building your plan

Fees for this stage are payable once your recommendations have been prepared. If you choose to move forward and put your plan in place, you will not be charged again for this stage.

Implementing your plan

When you decide to go ahead, we will arrange and implement your recommendations. For one-off investments into pensions, investments or annuities, see fees.

Regular contributions

If you are setting up ongoing contributions. This fee is payable once everything has been set up.

Accessing your pension

When you access your pension benefits (e.g., taking tax-free cash, moving into drawdown, etc.), we give advice to help you make the best decision for your situation.

For clients using our Financial Management and Wealth Management services, this involves a fixed fee of £1,000. This fee reflects the additional work needed to review your options, structure your withdrawals, and keep your plan on track.

Insurance and protection

In most cases, we do not charge a fee for arranging insurance or protection. Instead, we are usually paid by the provider. We will always make this clear to you before you proceed.

There is no charge for researching and recommending these types of solutions.

Ongoing service cost

When you access your pension benefits (e.g., taking tax-free cash, moving into drawdown, etc.), we give advice to help you make the best decision for your situation.

For clients using our Financial Management and Wealth Management services, this involves a fixed fee of £1,000. This fee reflects the additional work needed to review your options, structure your withdrawals, and keep your plan on track.

Ad-hoc services

Most of our work is covered by the fees outlined above.

In some situations, where work falls outside this scope, we may agree to a fee based on the time involved. If so, we will always explain this clearly in advance, including the hourly rate.