Service and fees

Process
1.
Initial Meeting
Ideally we will meet in person so we can have a relaxed no obligation conversation. This is an opportunity to get to know each other, for me to understand your current situation and life goals, and for you to learn about me, my services and how I can help.
2.
Gathering the Facts
With your permission, I’ll contact your existing providers and where appropriate your professional advisers, and gather the key information I need. This allows me to analyse your current arrangements including assets, liabilities, income and expenditure and prepare a personal proposal aligned with your agreed objectives.
3.
Recommendations
After detailed analysis I will return with a financial plan designed specifically for you. I will present my recommendations ensuring everything is clear and aligned with your goals. If you’re happy with the next steps, I’ll take your instructions and start implementing the agreed plan.
4.
Ongoing Review
I’m always available if your circumstances or the financial environment change. I will regularly review your plan to ensure it remains on track and aligned with your evolving goals.

FEATURES

Services offered

Retirement and pension planning

Personalised plans, including cash flow modelling, to help you achieve your life goals while minimising the tax you pay*

Investment and wealth management

Portfolios designed around your tolerance to risk and financial objectives

Protection
planning

Life insurance, critical illness cover, and income protection tailored to your situation

Estate & inheritance planning

Minimising tax, arranging wills, & setting up lasting powers of attorney, Intergenerational plan & trust advice**

Tax efficiency

Making the most of pensions, ISAs, allowances, and other tax-efficient vehicles

Other

Business planning including exit strategies.
Workplace benefits review

 
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* The Financial Conduct Authority does not regulate Cashflow Planning.
** The Financial Conduct Authority does not regulate some aspects of Trust, Tax and Estate Planning.

Fees

Initial fees

There will be a one off initial charge of 1% of the funds invested, for developing and drafting your financial plan including my recommendations, and implementation of the agreed plan.

  • For example if I recommend a pension transfer which has a value of £200,000 the initial fee will be £2,000.
  • Subject to a minimum charge of £1,500 and maximum charge of £5,000.

Ongoing fees

Ongoing service charge is 1% per annum of the funds managed by ourselves. This service will include ongoing advice, guidance and regular reviews of your plans to ensure they meet your evolving goals.

  • For example if my ongoing service is applied to a pension valued at £300,000, the ongoing fee would be £3,000.
  • If the funds on which we provide ongoing service were above £500,000 this ongoing fee of 1% is discounted.

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+44 7946 581066

Helping you achieve what matters most

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