An initial consultation meeting

This is offered without charge. This is an opportunity for us to understand your requirements, objectives and personal and financial situation. Following this meeting, we will outline how we feel we can help you and the terms of our initial engagement. We only proceed to the initial engagement stage once we have agreed the scope of work to be undertaken, our fees and how you will settle our fees. In our initial letter of engagement we will confirm the scope of work and specific cost applicable to you (including VAT if applicable).

Initial engagement

This will typically involve the provision of financial planning advice, either involving a comprehensive financial review or focusing on a specific area of financial advice. After we have assessed your needs, we will advise and make a recommendation for you, based on a comprehensive and fair analysis of the market We provide independent financial advice and are entirely independent of any product provider or investment firm.

Implementation

Having reviewed our advice, you may decide to instruct us to implement all or some of the recommendations. Details of the implementation fees will have been set out in detail, in writing, during the initial engagement stage.

Our ongoing services

These are designed primarily to meet the needs of private clients and trustees of family trusts and charities. We seek to build long-term relationships with our clients that are mutually beneficial and offer a choice of three ongoing services.

Our fees

We believe we offer our clients an outstanding proposition at a price that is competitive, transparent and represents excellent value. Our fee structure varies according to the service you select:

Financial planning service
Fees are charged on either a fixed fee or hourly rate as agreed with the client

Portfolio management service
An ongoing fee is charged as a percentage of the value of your portfolio. Access to the financial planning service is charged separately.

Wealth management service
An ongoing fee is charged that is a percentage of the value of your portfolio. This fee includes ongoing financial planning, portfolio management and regular review meetings. We only charge an ongoing fee on the assets that we manage for you.