Transparency is a discipline
We believe you should know exactly what you will pay, and exactly what you will receive for it, before any work begins. Our approach to charging is deliberately simple.
One all-inclusive ongoing fee
Our ongoing service is charged as a single, clear fee, agreed with you in writing before any work begins. It covers financial planning advice, ongoing reviews, and the discretionary management of your portfolio, a combination for which many firms charge separately, in layers.
There is one fee, one document, and no ambiguity about what it includes.
Initial costs, quoted upfront
Where initial work is needed, whether a first plan, a consolidation exercise, or advice on a specific event, the cost is quoted in writing before the work is started. You decide whether to proceed with full information, and nothing is charged until you do.
No incentives to transact
Because we are independent, we receive no commissions from product providers and no payment linked to transactions. Nothing in how we are paid rewards activity for its own sake. Our only commercial incentive is the one we would choose anyway: that the relationship endures.
In writing, before anything begins
Every client receives our charges in writing before any engagement starts, and any change to them is agreed in writing thereafter. If anything about our charging is ever unclear, we would rather be asked than assumed generous.
How we work →For a written illustration of our charges for your circumstances, please contact the firm.
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