FAQs

Yes. We can advise on SIPPs as part of your retirement planning strategy.

We do not provide specialist advice on final salary or defined benefit pension transfers. However, we can refer you to a specialist firm with the relevant expertise if needed.

Yes. We can support you with later-life planning, including considerations around long-term care as part of your broader financial plan.

Yes. We can help you plan for Inheritance Tax and estate considerations as part of your wider financial planning.

Yes. We can advise on ISAs as part of your wider investment planning.

Yes. We can advise on protection needs, including life insurance, critical illness cover, and income protection as part of your financial plan. Learn more here.

Yes. Your initial consultation is at no cost and comes with no obligation to proceed.

Details of Lifetime Planning Service fees can be found here and details of our Financial Advice Service fees can be found here.

For our Financial Advice Service, the minimum annual fee is £300 per year.

For our Lifetime Planning Service, the minimum annual fee is £1,500 per year.

For one-off financial advice, we do not have a fixed fee for a financial plan, as the cost depends on the scope and complexity of the advice required.

We may charge either a percentage of the value of the assets being advised on, or in some cases, an hourly rate, depending on what is most appropriate for your circumstances.

All fees will be discussed and agreed with you at your initial meeting, so you have full clarity on costs before any work begins.

For both initial and ongoing advice, we typically charge based on a percentage of your total investments. In some cases, we may also agree an hourly fee, depending on the nature of the work.

In some protection planning and lending business only, we may receive a commission payment from a product provider. Typically, the commission payment will be offset against the charges you owe us for our services.