Crystal clear, unbiased advice
We proudly boast our independence. We are completely independent of any fund manager, investment company, or any other service we could advise you to buy, sell or hold.
This means that the only payment we receive is a fee from you for the work and advice we agree with you. It ensures that we only work for our clients, and only our clients can pay us. We do this because we want to reassure our clients that we will only provide impartial advice – this is very important to us.
Equally, it is important for you and us to feel confident that our relationship will add value to your financial affairs. This value comes partially from peace of mind as well as more quantifiable sources such as reducing portfolio fees, more efficient portfolio performance and possible tax savings.
How it works
The first meeting is at our expense. We will agree our fee with you in writing before starting any chargeable work.
Typically, we would agree a project and planning fee for the initial work. This would vary according to the complexity and amount of the work involved, but between £3,000 and £5,000 would be a general guide. This is a capped project fee, and is never contingent on whether or not we take over any assets, or set up any investments. It is not related to the size of the assets that are included in our advice.
We would normally expect to have an ongoing relationship with clients once the initial plan is in place. This is often paid for via a fee based on the assets we advise on, although monthly retainers are becoming increasingly popular and we are happy to accommodate either. As before, we would agree the type and level of fee before committing either party to any engagement.
We are careful to work with a limited number of clients. This allows us to ensure a high level of service to our clients, and still have time to help new clients with any transition or choices they need to make.
Financial Planning
Having a solid plan in place provides direction and meaning to your financial decisions. We use six steps work out where you are now and what you must do to reach your goals.
Investment Philosophy
What’s missing from cold hard facts is wisdom, hard won through experience and deep technical ability. That’s the magic ingredient. And that’s what we do.