Our relationship with you
Initial advice and ongoing advice are distinct services. We explain what each covers, what you pay and when a new piece of work needs its own agreement.
01 / INITIAL ADVICE
We agree the decisions to address, the plans involved and the research, recommendation and implementation to be delivered.
We agree the fee, payment stages and cancellation terms with you before paid work begins.
Initial fees explained ↗︎02 / ONGOING ADVICE
For the agreed portfolio: an annual review of your circumstances, objectives, risk and continuing suitability, agreed investment oversight, and access to your adviser for questions within that service.
Drawdown reviews also consider withdrawals, tax and income sustainability. We record the review and recommended action.
Existing clients
Your existing agreement is the starting point. We do not charge twice for the same advice or implementation.
We explain the new work and price before starting it. A change in circumstances does not, by itself, mean everything becomes chargeable again.
Not sure whether something is covered? Ask us before any new work starts. Checking costs nothing.
Ongoing fees
Our standard annual rates are 0.6% while building investments, 0.75% for drawdown and 0.75% for corporate investments.
The agreement identifies the assets and rate. Moving one pension into drawdown does not automatically apply a higher rate to every investment you hold with us.
Fees are normally collected monthly and change with asset values. Provider, platform, fund and any discretionary management costs are additional.
Your choice
Yes. We explain whether ongoing advice is suitable and the implications of proceeding without it. We may decline work where we cannot provide a suitable service on the proposed basis.
Contact your adviser or our office. We acknowledge the date, arrange for future charges to stop and reconcile any overpayment. There is no exit penalty from us. Product-provider charges and rights are separate.
Tell us what would help. We can explain information differently, allow more time or involve someone you trust with your permission. Needing extra help to understand or communicate does not automatically increase your fee.
Your next step
A conversation about what matters to you, and how we can help.
First consultation: no charge, no obligation.
