Our fees

We believe it’s important to be completely transparent when it comes to how we work out our fees. In fact, it’s a key part of our philosophy.

The following information is designed to give you as much information as possible about how we charge, but for accurate figures relating to your personal situation, we advise speaking to us directly.

Santorini Retirement Lifestyle Programme

Strategy & Planning

Fixed fee: £1,500

Advice & Implementation

0.20% to 0.80%

 

0.80% on first £500K

0.60% on next £500k

0.40% on next £500k

0.20% on next £500K+

Keep on Track

£0 to £500,000         0.88% (£4,400)

£500,000 to £1m       0.68% (£3,400)

£1m to £1.5m               0.48% (£2,400)

£1.5m to £2m              0.28% (£1,400)

£2m+                            0.08%

 

 

 

Our ongoing fee starts at 0.88% of your assets under management. 

Our fee philosophy

Simply stated, our fee philosophy is: we prosper as you prosper, we suffer when you suffer.

As your financial planner, I participate in the investment success I’m able to secure for you using our Evidence-Based Investment process.

It’s important to understand how that works. As I’ve made clear, my Evidence-Based Investment policy is founded on the premise that the only way to fully capture the returns of equities is to accept their temporary declines.

What this means, of course, is that my fee income diminishes in direct proportion to the temporary decline in your account values when such declines inevitably occur.

I feel there’s nothing more important than practising what I preach; this is a perfect identity of interest. If I am to earn the right to participate directly in your permanent gain, I can hardly ask to be protected when you are experiencing temporary – but sometimes significant – pain. I would not have it any other way.”

Fee case studies

Example 1

A client couple is planning for retirement, wanting to use the Santorini Lifestyle Retirement Programme and have £600,000 in pensions and investments to review. Assuming the pensions and investments need to be moved into a better solution the total maximum planning and implementation fees would be as follows:

Strategy & Planning

Comprehensive financial plan

£1,500
Advice & Implementation

Pension & Investment Implementation
0.80% of £500,000

£4,000

Pension & Investment Implementation
0.60% of £100,000

£600
Total initial fees

Equivalent to 1.02%

£6,100
Keep on Track

0.88% of £500,000

£4,400

0.68% of £100,000

£680
Total Ongoing fees

Equivalent to 0.85% per annum

£5,080

Example 2

A client couple is planning for retirement, wanting to use the Santorini Lifestyle Retirement Programme and have £1,200,000 in pensions and investments to review. Assuming the pensions and investments need to be moved into a better solution the total maximum planning and implementation fees would be as follows:

Strategy & Planning

Comprehensive financial plan

£1,500
Advice & Implementation

Pension & Investment Implementation 0.80% of £500,000

£4,000

Pension & Investment Implementation 0.60% of £500,000

£3,000

Pension & Investment Implementation 0.40% of £200,000

£800
Total Initial Fees

Equivalent to 0.78%

£9,300
Keep on Track

0.88% of £500,000

£4,400

0.68% of £500,000

£3,400

0.48% of £200,00

£960
Total Ongoing Fees

Equivalent to 0.73% per annum

£8,760

Example 3

A client couple is planning for retirement, wanting to use the Santorini Lifestyle Retirement Programme and have £1,800,000 in pensions and investments to review. Assuming the pensions and investments need to be moved into a better solution the total maximum planning and implementation fees would be as follows:

Strategy & Planning

Comprehensive financial plan

£1,500
Advice & Implementation

Pension & Investment Implementation 0.80% of £500,000

£4,000

Pension & Investment Implementation 0.60% of £500,000

£3,000

Pension & Investment Implementation 0.40% of £500,000

£2,000

Pension & Investment Implementation 0.20% of £300,000

£600
Total Initial Fees

Equivalent to 0.65%

£11,700
Keep on track

0.88% of £500,000

£4,400

0.68% of £500,000

£3,400

0.48% of £500,000

£2,400

0.28% of £300,000

£840
Total ongoing Fees

Equivalent to 0.61%

£11,040

Example 1

A client couple is planning for retirement, wanting to use the Santorini Lifestyle Retirement Programme and have £600,000 in pensions and investments to review. Assuming the pensions and investments need to be moved into a better solution the total maximum planning and implementation fees would be as follows:

Strategy & Planning

Comprehensive financial plan

£1,500
Advice & Implementation

Pension & Investment Implementation
0.80% of £500,000

Pension & Investment Implementation
0.60% of £100,000

£4,000 £600
Total initial fees

Equivalent to 1.02%

£6,100
Keep on Track

0.88% of £500,000

0.68% of £100,000

£4,400 £680
Total Ongoing fees

Equivalent to 0.85% per annum

£5,080

Example 2

A client couple is planning for retirement, wanting to use the Santorini Lifestyle Retirement Programme and have £1,200,000 in pensions and investments to review. Assuming the pensions and investments need to be moved into a better solution the total maximum planning and implementation fees would be as follows:

Strategy & Planning

Comprehensive financial plan

£1,500
Advice & Implementation

Pension & Investment Implementation 0.80% of £500,000

Pension & Investment Implementation 0.60% of £500,000

Pension & Investment Implementation 0.40% of £200,000

£4,000 £3,000 £800
Total Initial Fees

Equivalent to 0.78%

£9,300
Keep on Track

0.88% of £500,000

0.68% of £500,000

0.48% of £200,00

£4,400 £3,400 £960
Total Ongoing Fees

Equivalent to 0.73% per annum

£8,760

Example 3

A client couple is planning for retirement, wanting to use the Santorini Lifestyle Retirement Programme and have £1,800,000 in pensions and investments to review. Assuming the pensions and investments need to be moved into a better solution the total maximum planning and implementation fees would be as follows:

Strategy & Planning

Comprehensive financial plan

£1,500
Advice & Implementation

Pension & Investment Implementation 0.80% of £500,000

Pension & Investment Implementation 0.60% of £500,000

Pension & Investment Implementation 0.40% of £500,000

Pension & Investment Implementation 0.20% of £300,000

£4,000 £3,000 £2,000 £600
Total Initial Fees

Equivalent to 0.65%

£11,700
Keep on track

0.88% of £500,000

0.68% of £500,000

0.48% of £500,000

0.28% of £300,000

£4,400 £3,400 £2,400 £840
Total ongoing Fees

Equivalent to 0.61%

£11,040

Get in touch

ADDRESS

35-37 High Street
Barrow upon Soar
Loughborough
Leicestershire
LE12 8PY