Our Services
Retirement planning and Investing can feel like a minefield. We simplify choices, highlight risks, and recommend bespoke strategies.
How It Works
Our proven process ensures you receive personalised advice and implementation support every step of the way.
Initial Consultation
Fact finding to establish your circumstances and objectives.
Financial Review & Due Diligence
Obtain and review all existing plan information.
Recommendation Presentation
Our recommendations will be explained to you in a way you fully understand.
Advice Implementation
We arrange and implement the recommended plan.
Initial Consultation
Fact finding to establish your circumstances and objectives.
Financial Review & Due Diligence
Obtain and review all existing plan information.
Recommendation Presentation
Our recommendations will be explained to you in a way you fully understand.
Advice Implementation
We arrange and implement the recommended plan.
What We Do
Pensions and Retirement advice is what we particularly specialise in, this is the most common type of advice and recommendations that we provide.
We help clients approaching or are at retirement, and recommend bespoke retirement plans to give you the lifestyle you desire and income you require. This may include arranging tax free cash or lump sum withdrawals, flexible regular income, guaranteed income, or a blended solution. These retirement products and transactions can be known as:
- Flexible access drawdown
- Annuities
- Uncrystallised Fund Pension Lump Sum
We also work with clients throughout their retirement years, where money is invested within a pension / retirement plan to review investment performance, discuss income withdrawals, and the on-going suitability of the plan.
Investment advice is another common area of financial planning that we deal with. This is usually reviewing existing investment plans held across Share ISAs, Investment Bonds, and General Investment Accounts. In addition, we arrange new bespoke investment plans for investors looking to either start their investment journey.
We also deal with other areas of holistic financial planning like inheritance tax planning, and protection needs like term assurance.
Please note: Whilst we appreciate the opportunity to try and help every client that contacts us, we have a minimum advice charge of £4,000. Therefore, for clients with relatively small plan values, it may not be cost effective to receive advice from us.
Investment Solutions
We are not investment fund managers, we complete research from across the whole of the market to recommend specialist investment solutions that are managed by investment experts. We give consideration to management charges, previous investment performance, the amount of money being managed by the investment company, and the strategy each investment firm takes, amongst other important factors.
As we have no ties to any particular investment solution, we make bespoke recommendations based on what we feel is the most suitable to match your objectives, attitude towards risk, and circumstances. We also look to review the suitability of our recommendations on an on-going basis if you opt for our optional on-going servicing. This is useful if your circumstances, objectives, attitude towards risk change, or if the investment performance is not as strong as what we first hoped.
Bespoke Retirement Planning
Tailored retirement plans that can provide flexible income, fixed income, or a balance between the two.
Includes: cashflow modelling, pension consolidation, tax-efficient drawdown strategies.
Ongoing Portfolio Management
Silver Service – Annual review.
Gold Service – Annual review and half year investment performance update, ad hoc advice.
Platinum Service – Annual review, half year investment performance update, ad hoc advice, cash flow modelling.
Our Fees
Transparent pricing with no hidden costs
We charge a 'one off' initial fee to provide you with independent advice.
However, before committing to any fee, we offer you a free initial consultation meeting, to help you understand more about who we are, have meaningful discussions about the options available, and agree which way we move forward. We also put a summary of our terms and your objectives together in writing. This prevents any confusion and enables you to feel completely comfortable before making any commitments.
Initial Advice Charge
Our fee structure is tiered, and reduces in percentage terms if your plan value is more than £200,000.
| Plan Value | Fee % | £200k Example | £500k Example | £900k Example |
|---|---|---|---|---|
| £0 to £200,000 | 2.00% | £4,000.00 | £4,000.00 | £4,000.00 |
| £201,000 to £500,000 | 1.00% | - | £3,000.00 | £3,000.00 |
| £501,000 to £1 million | 0.5% | - | - | £2,000.00 |
| £1 million+ | Bespoke fee calculated | |||
| Total Fee | £4,000 (2%) | £7,000 (1.4%) | £9,000 (1.00%) | |
Optional On-going Servicing Charge
1% annual servicing fee.
We have a Silver / Gold / and Platinum service level based on your overall plan value.
Our Maximum on-going annual service fee is capped at £7,500 per annum.
For other non-typical advice requirements, we will quote a bespoke fee to help you understand the cost for any work involved.