Fees & Charges Clear, transparent and aligned to the advice you receive

A. Initial Advice Fee (Percentage-Based)

This one-off fee covers all work required to understand your circumstances, design an appropriate financial strategy, and implement your recommendations.

This includes:

• A comprehensive financial review and fact-finding process
• Assessment of objectives, priorities and constraints
• Risk profiling and consideration of capacity for loss
• Bespoke recommendations tailored to your needs
• Platform and provider research and due diligence
• Tax-efficient investment design
• Initial cashflow modelling where appropriate
• Implementation of all agreed recommendations
• A detailed suitability report documenting advice provided

This ensures your financial plan is robust, well-structured and appropriately evidenced from the outset.

B. Ongoing Advice Fee (Percentage-Based)

The ongoing advice fee provides continued professional oversight, helping ensure your arrangements remain appropriate as your circumstances and the wider environment change.

This typically includes:

• An annual review meeting (in person or remote)
• Ongoing portfolio monitoring
• Rebalancing where appropriate
• Updates to planning in response to life events
• Tax-year-end guidance
• Ongoing suitability assessments
• Access to your adviser throughout the year
• Updates on relevant legislative and market developments

This structure provides continuity, accountability and reassurance over the long term.

The Premier Service is designed for clients with more complex financial affairs who require a higher level of ongoing involvement, coordination and strategic planning. Rather than being linked to portfolio size, the fee reflects the scope, frequency and depth of advice delivered.

C. Premier Service Fixed Annual Fee

The Premier Service is designed for clients whose financial affairs require a more considered, coordinated and proactive approach. Rather than being driven by portfolio size alone, this service reflects the level of strategic input, ongoing oversight and professional involvement required to manage more complex financial arrangements effectively. It is built for those who value clarity, structure and forward planning — not just periodic review.

What This Means in Practice

• More regular, forward-looking strategic oversight, ensuring decisions are made with context and timing in mind.
• Joined-up planning across key areas of your financial life, rather than treating each element in isolation.
• Ongoing financial modelling and scenario analysis, supporting better long-term decision-making.
• A higher level of adviser involvement, including coordination with other professionals where appropriate.
• A structured, fixed-fee arrangement, aligned to the scope and depth of advice provided.

The intention is simple — to ensure that important financial decisions are not left to chance, timing or fragmented advice. A More Considered Approach Clients using the Premier Service are typically at a stage where:

• Financial decisions are interconnected.
• Timing and sequencing matter.
• Tax, retirement and estate considerations overlap.
• There is value in having a consistent, strategic overview.

This service is designed to bring order, clarity and direction to that complexity.

“The difference is not in more activity, but in more considered decisions.”

The Premier Service is not defined by wealth alone, but by the nature of your financial position and the level of oversight required. We will always discuss this with you and explain clearly whether this service is appropriate for your circumstances.

For the arrangement and implementation of any product, an initial advice fee (or commission, where available) in line with the Traditional Service structure above is also payable.