No surprises, no hidden costs.
Transparent fees that align with your goals.
No surprises, no hidden costs.
Transparent fees that align with your goals.
No surprises, no hidden costs.
Transparent fees that align with your goals.
We believe financial planning should be simple and transparent - here’s exactly what our services cost and what you get in return.
We believe financial planning should be simple and transparent - here’s exactly what our services cost and what you get in return.
Retirement
Lifestyle
Programme.
Our financial planning has primarily been designed to help busy business owners who are thinking about retiring, to secure their future and look forward to it.
The initial Get To Know You Meeting is at our expense, and you have no obligation to proceed beyond this point. We discuss the work we will undertake and provide you with an estimate of the total fees.
A different kind of relationship.
We do not believe in transactional advice. Our role is to be your long-term planning partner, helping you make better decisions, avoid costly mistakes, and live the life you want with confidence.
Our ongoing fee means we are aligned with you:
- When life changes
- When markets fluctuate
- When big decisions need to be made
What you're really paying for.
Not products. Not transactions.
You're paying for:
- Clarity on what 'enough' looks like
- Confidence in your future
- A plan that adapts as your life evolves
- A trusted partner to guide you
Strategy & Planning
Before making any decisions, we start with what matters most. Your life.
The questions left unspoken
- "When can I afford to retire or slow down?"
- "How much is enough?"
- "Will my money last?"
- "What does my ideal future actually look like?"
We gather all relevant information from you, your existing product and service providers, your accountant and solicitor. We analyse and assess all of it, and we create a Masterplan of your financial life. We then present this plan to you.
What this includes
- Deep discovery of your goals, values and priorities
- Full financial analysis (assets, income, expenditure, tax)
- Detailed lifetime cashflow modelling to build your roadmap
- Clear recommendations and strategy
Advice & Implementation
Once we've agreed your financial plan, we make it happen.
This is where we build everything for you, implementing the plan properly so it works in the real world. We provide independent financial advice on relevant products and services, including a full review of existing arrangements to ensure they are suitable for your needs.
What this includes
- Setting up pensions, ISAs, investments
- Structuring assets tax-efficiently
- Liaising with providers and platforms
- Handling all paperwork and execution
- Ensuring everything aligns with the plan
If an investment plan is jointly owned, only one fee will be charged. Pensions with non-standard investments such as commercial property, VCTs or EIS may carry additional cost.
We prosper whenyou prosper.
Our success is tied to yours. We sit on the same side of the table, share in your gains, and accept the short-term fluctuations alongside you.
Keep on Track
We help you stay on track, and make confident decisions at every stage of life.
Life isn't linear. Plans need to be flexible, adaptable, yet still relevant. We work with you over the long term to make sure your plan continues to support the life you want.
What this includes
- A detailed strategy meeting at least once a year
- Monitoring investment risk, performance, costs and suitability
- Unlimited access to me and my team during business hours
- Proactive updates on allowances and legislation changes
- Coaching to help you make the right decisions
- Liaison with your accountant and solicitor
Minimum ongoing fee £3,750 pa (clients typically have assets of at least £500k). Maximum ongoing fee per individual or couple £20,000 pa.
Below the UK average.
Verified independently.
When assessed against other advisers in the UK, our fees sit comfortably below the market. 100% of clients who reviewed us on VouchedFor said we were clear about our charges.
Clear.
Transparent.
Built around you.
Money is important. But what really matters is what it allows you to do. Everything we do is about helping you understand what 'enough' looks like, and making sure you don't run out of money or life.
We charge in three stages, to design your plan, implement it, and then guide you long-term. Most of the real value comes from the ongoing relationship.
Through our Evidence-Based Investment process, we share in the successes of your portfolio and also in its temporary declines. We only earn when your long-term gains are realised, and we accept the short-term fluctuations alongside you.
Real fees,
real portfolios.
Three scenarios. Three clear breakdowns. No surprises.
£500k
A couple with £500k invested across 4 ISAs and 3 pensions.
Initial fees equal 0.9% of total investment, capped to keep things fair.
£1m
A couple with £1m across 2 ISAs and 2 pensions, looking to draw an income.
Initial fees equal 0.425% of total investment, well below market.
£2m + £1m cash
A couple with £2m invested and £1m cash from a business sale to be invested.
Annual fee rises to £15,000 once the £1m cash is invested. Initial fees just 0.15%.
Questions,
answered.
Yes. Implementation and ongoing fees are usually paid directly from your pension and ISA, with no direct charge to your day-to-day finances.
Our fee philosophy.
Our fee philosophy.
Our fee philosophy.
Our fee philosophy is simple: we prosper when you prosper, and we suffer when you suffer.
Through our Evidence-Based Investment process, I share in the successes of your portfolio - and also in its temporary declines. This alignment ensures my interests are fully tied to yours: I only earn when your long-term gains are realised, and I accept the short-term fluctuations alongside you.
Our fee philosophy is simple: we prosper when you prosper, and we suffer when you suffer.
Through our Evidence-Based Investment process, I share in the successes of your portfolio - and also in its temporary declines. This alignment ensures my interests are fully tied to yours: I only earn when your long-term gains are realised, and I accept the short-term fluctuations alongside you.
What our clients say.
What our clients say.
Our purpose is to give you a clear path to follow, which will give you clarity and confidence so you know that you will have enough in retirement.
He opened my eyes to the possibility and gave me the confidence to take the leap.
Jon Langford
Matt didn't come across as a normal financial services type of person.
Phil & Sharon Middleton
When I think about my finances now, l don't worry
Sue Johnson
Real clients. Real Stories.
Real clients. Real Stories.
Bob and Pete kindly shared their experiences of working with us - no scripts, no prompts, just honest stories.
Bob Moul
Bob Moul
Pete Henson
Pete Henson
Get in touch today.
Get in touch today.
Leave us a message below about your situation, and we'll get back in touch with you shortly.