Are you happy with your
financial adviser?

It may seem a strange question, but if you have a financial adviser, how much do you really know about the service they provide?

Take a look at the three questions below, if you can answer yes, that’s good, well done you are clearly on top of your finances, but have you ever thought about the impact of charges?

We can help you get a better understanding of your finances and keep more of your money

If you answer “no” to any of these questions, it’s time to switch.

Most financial advisers charge a percentage of the money that you have invested for their service

Typically this will be between 0.5% to 1.00% a year, sometimes even higher. This percentage may not sound like a large amount, but over time it can add up to a large dent in your wealth.

Example One

A pension pot of £300,000 accumulated over 25 years with an annual charge for financial advice of 1% will have incurred costs of £75,000, or 25% of pension size.

Example Two

An investment of £100,000 held for 30 years with an annual charge for financial advice of 1% will have incurred costs of £100,000, equal to the amount initially invested.

How are we different?

We do not charge a percentage of your investment for our services because we do not believe that it is fair or in your interests.

Instead, we charge a flat subscription model for our services, and everybody pays the same as we believe this is the fairest way and is in your interests. Our annual subscription is £330, paid in 12 monthly payments. If you choose to pay annually with one payment, we reduce this to £300.

Try our calculator to see for yourself how much more your wealth could grow with us

We discuss and agree on your plan with recommendations in a further session, and following this, we put your list into action and arrange a date for your annual review.

See how we compare

Financial advisers usually charge in one of three ways for their service. Through hourly fees, typically £50 – £250 per hour. As a percentage of the money you invest, normally there would be an initial charge for setting up a plan of between 2-3% and an ongoing annual charge of between 0.25-1.0%. These seem like small amounts but over time can make a big dent in your investments.

Or, as we do through a flat fee, either for a one off or for an ongoing service. The most important aspect to bear in mind with fees, however they are charged is to keep them as low as possible which means more of your money is invested.

Switching your financial
adviser is easy

We make it easy for you to switch financial advisers. We contact your product providers on your behalf to see if it is possible to switch and if so, we make the necessary arrangements.

Your products will remain place, with just the servicing rights changing, allowing you to benefit from our low charges immediately.

How to switch

Step 1

Speak to one of our financial advisers who will explain everything and talk
you through the process

Step 2

We will check if switching is suitable for you and, if yes, we can make all the arrangements

Step 3

When everything is in place we will contact you again to arrange a review session

Are you happy with your financial adviser?

It may seem a strange question, but if you have a financial adviser, how much do you really know about the service they provide?

Take a look at the three questions below, if you can answer yes, that’s good, well done you are clearly on top of your finances, but have you ever thought about the impact of charges?

If you answer ‘no’ to any of these questions, it’s time to switch

We can help you get a better understanding of your finances and keep more of your money

  1. Do you know how your financial adviser charges for their service?
  2. Do you know how much they charge, in real terms?
  3. Do you know the impact this is having on your wealth, your pensions, savings, or investments?

Most financial advisers charge a percentage of the money that you have invested for their service

Typically this will be between 0.5% to 1.00% a year, sometimes even higher. This percentage may not sound like a large amount, but over time it can add up to a large dent in your wealth.

Example one

A pension pot of £300,000 accumulated over 25 years with an annual charge for financial advice of 1% will have incurred costs of £75,000, or 25% of pension size.

Example two

An investment of £100,000 held for 30 years with an annual charge for financial advice of 1% will have incurred costs of £100,000, equal to the amount initially invested.

How are we different?

We do not charge a percentage of your investment for our services because we do not believe that it is fair or in your interests.

Instead, we charge a flat subscription model for our services, and everybody pays the same as we believe this is the fairest way and is in your interests. Our annual subscription is £330, paid in 12 monthly payments. Or, if you choose to pay annually with one payment, we reduce this to £300.

Try our calculator to see for yourself how much more your wealth could grow with us

See how we compare

Financial Advisers usually charge in one of three ways for their service; Through hourly fees, typically £50-£250 per hour. Or, as a percentage of the money you invest, normally there would be an initial charge for setting up a plan of between 2-3% and an ongoing charge of 0.25-1.0%.

These seem like small amounts, but over time can make a big dent in your investments.

Switching your financial adviser is easy

We make it easy for you to switch financial advisers. We contact your product providers on your behalf to see if it is possible to switch and if so, we make the necessary arrangements. Your products will remain place, with just the servicing rights changing, allowing you to benefit from our low charges immediately.

How to switch advisers

Step 1

Speak to one of our financial advisers who will explain everything and talk you through the process

Step 2

We will check if switching is suitable for you and, if yes, we can make all the arrangements

Step 3

When everything is in place we will contact you again to arrange a review session