Clear fees

Our fees

What our advice costs

You should know what advice will cost before you decide to take it. Our fees are set out in full below, and we confirm yours in writing before any work starts.

There are two fees: an initial fee for the advice and for putting it in place, and an ongoing fee if you would like us to keep looking after your plans.

Your first meeting is free and there's no obligation to go further.

Book a free consultation or call 0330 223 1653

At a glance

Three things to know

First meeting: free

We talk about your situation and whether advice would benefit you. There is no cost and no obligation to go further.

Initial fee: from 1.65%

A percentage of the amount we advise on. The percentage reduces as the amount increases.

Ongoing fee: 0.75% a year

For ongoing advice and regular reviews. There is no long-term contract and you can stop at any time.

Initial fee

The fee for your advice

Our initial fee is charged in bands, so a lower rate applies to each further slice of the amount we advise on. For retirement advice, we base the fee on the amount to be invested after any tax-free cash has been taken.

1.65%on £250,000

1.2%on £500,000

0.97%on £1 million

Fees are exempt from VAT. The calculator below shows the fee for any amount, and the rate for each band.

Fee calculator

Enter the amount you'd like advice on. For retirement advice, use the amount to be invested after any tax-free cash.

Pension or investment amount

Initial fee–

Ongoing fee–

Our advice service is designed for pensions and investments of £250,000 or more. MoneyHelper offers free, impartial guidance.

First £50,0003%
Next £150,0001.5%
Next £800,0000.75%
Balance over £1 million0.3%

Fees are exempt from VAT. We'll confirm your fee in writing before any work starts, and your first meeting is free.

Ongoing fee

Looking after your plans

If you would like us to keep advising you, our ongoing fee is 0.75% a year of the amount we look after. Because it is a percentage, it rises and falls with the value of your pensions and investments.

The ongoing service is your choice. We don't lock you into a contract: you can stop it at any time, with no penalty and no exit fee.

Good to know

How we charge

Agreed before we start

We confirm your fee in writing, and no work begins until you have signed to agree it.

No long-term contract

You can end our ongoing service whenever you wish, with no penalty and no termination fee.

No VAT

Our advice fees are exempt from VAT.

This page is a summary. At your first meeting we give you our Client Proposition brochure, which sets out our services and charges in full, and we ask you to sign to confirm the fees that apply to you before any work starts.

FAQs

Common questions about fees

Is the first meeting really free?

Yes. Your first meeting is free, with no obligation. It is a chance to talk through your situation and decide whether advice would benefit you.

What amount is the fee based on?

The amount we advise on. For retirement advice, that is the amount to be invested after any tax-free cash has been taken.

Can I stop the ongoing service?

Yes, at any time. There is no long-term contract, no penalty and no exit fee.

Is there a minimum investment?

Yes. Our advice service is designed for people with £250,000 or more in pensions and investments, or who are planning to invest at least that amount. If that isn't you yet, MoneyHelper offers free, impartial guidance.

Do I have to meet in person?

No. Meetings are by appointment, either in person at one of our meeting locations in Edinburgh, Falkirk, Glasgow, Livingston or Stirling, at your home, or by video call.

Find out what advice would cost you

Free first meeting, no obligation. Call 0330 223 1653 or book online.

Book a free consultation

The value of investments and pensions, and any income from them, can fall as well as rise and you may get back less than you invest. Tax treatment depends on your individual circumstances and may change in the future.