Ongoing Service Agreement
Learn about our policies and commitments to you
Introduction
This engagement is supplementary to our Client Agreement and sets out the basis on which we charge for our services. We recognise that all our clients have different financial needs and objectives and we will therefore build an appropriate plan. Your investments should be reviewed on a regular basis and this agreement sets out the terms on which we charge for our ongoing services to you. Should you decide to sign up for our ongoing services we will ask you to acknowledge your consent at the end of this agreement. You should then retain your copy of this with our ‘client agreement’ previously provided to you. In order to clarify the expectations of all parties and to provide transparency of charges we set out in this document the services available and associated costs. Please feel free to contact us if you wish to discuss any aspect of these terms.
Ongoing Costs and charges
1% Maximum Annual Service Charge. However this is reduced where you select a service level below the value of your plans combined.
Silver Service Level - plan values £100,000 to £249,999
1% cost based on the total value of your investments. Minimum £1,000, and maximum £2,499 per annum Annual Plan Review including: Meeting with your Adviser (if required) Review of objectives Review of circumstances Review of risk profile Review capacity for loss Review of contribution levels Review of withdrawal levels Review of the suitability of your investments Review of asset allocation Review of ethical investing/ sustainability (if required) Review of tax changes Review of charges Review investment projections Fund switch/ rebalance if necessary Updates and valuations Client online portal access Annual Drawdown forecasting Annual advice on regular and lump sum withdrawals Annual facilitation / Amendment of regular withdrawals Annual advice on regular and lump sum contributions Annual facilitation /Amendment of regular contributions
Gold Service Level - plan values £250,000 to £399,999
1% cost based on the total value of your investments. Minimum £2,500, and maximum £3,999 per annum Annual Plan Review including: Meeting with your Adviser (if required) Review of objectives Review of circumstances Review of risk profile Review capacity for loss Review of contribution levels Review of withdrawal levels Review of the suitability of your investments Review of asset allocation Review of ethical investing/ sustainability (if required) Review of tax changes Review of charges Review investment projections Fund switch/ rebalance if necessary Updates and valuations Client online portal access Annual Drawdown forecasting Annual advice on regular and lump sum withdrawals Annual facilitation / Amendment of regular withdrawals Annual advice on regular and lump sum contributions Annual facilitation /Amendment of regular contributions Full time point of contact with our support team Ad hoc rebalance & fund switch if required Ad hoc advice on regular and lump sum withdrawals Ad hoc facilitation / Amendment of regular withdrawals Ad hoc advice on regular and lump sum contributions Ad hoc facilitation /Amendment of regular contributions
Platinum Service Level - plan values £400,000+
1% cost based on the total value of your investments. Minimum £4,000, and maximum £10,000 per annum Annual Plan Review including: Meeting with your Adviser (if required) Review of objectives Review of circumstances Review of risk profile Review capacity for loss Review of contribution levels Review of withdrawal levels Review of the suitability of your investments Review of asset allocation Review of ethical investing/ sustainability (if required) Review of tax changes Review of charges Review investment projections Fund switch/ rebalance if necessary Updates and valuations Client online portal access Annual Drawdown forecasting Annual advice on regular and lump sum withdrawals Annual facilitation / Amendment of regular withdrawals Annual advice on regular and lump sum contributions Annual facilitation /Amendment of regular contributions Full time point of contact with our support team Ad hoc rebalance & fund switch if required Ad hoc advice on regular and lump sum withdrawals Ad hoc facilitation / Amendment of regular withdrawals Ad hoc advice on regular and lump sum contributions Ad hoc facilitation /Amendment of regular contributions Statement of holdings Bi -Annually Full-time point of contact with your adviser Half year update - Performance Summary Half year courtesy contact Cashflow modelling Annually Facilitate necessary changes to income/ withdrawals following cash flow modelling Estate planning (IHT) considerations Detailed tax planning Estate Administration on death
Cost of services outside of agreed service level
From time to time, you may request services or advice that fall outside the scope of your annual review or our agreed service package. Where this occurs, additional fees may apply. These fees reflect the time, expertise, and resources required to complete the work and ensure it continues to deliver fair value. The following hourly rates apply to any ad hoc or additional work carried out: Administration: £75 per hour Paraplanning: £150 per hour Adviser Services: £250 per hour Before any additional work begins, we will provide you with a clear quotation so you can make an informed decision about whether you wish to proceed. No charges will be incurred without your prior agreement
Cancelation
Either party can choose to cancel this agreement at any time by providing written confirmation of this decision. Payments would then cease within 7 business days or after collection of any due proportion of any period charges if later.
Last updated: 5 May 2026