The first conversation
Your first conversation with us is about clarity. We want to understand what you have in place, what is worrying you, and whether there is a genuine problem to solve. There is no charge for that discussion and no obligation to go further.
How fees work
Different situations need different work — but we always explain the cost clearly before anything is agreed.
Typical work involves an initial advice fee for researching and implementing your plan, and where appropriate, an ongoing service fee for looking after things year after year. Both are confirmed with you in writing before any work begins.
Our ongoing fees are typically around 0.6% to 0.75% of your portfolio annually, depending on what you need — explained clearly before anything is agreed. Every client receives the same comprehensive service regardless of portfolio size, including annual reviews, direct adviser access, and tax-year planning.
No conflicts of interest
We earn our advice fee only. No commissions, no rebates, no kickbacks from platforms or fund providers. When we recommend something, it is because we believe it is right for you — not because we are paid to suggest it.
What we will not do
We do not believe in making charges feel vague or secondary. You should not have to guess what the next stage costs, or discover it halfway through the process. Transparency is part of the service, not an optional extra.