Our fee structure is fair, flexible and transparent.
That means you will understand exactly what you are paying and the service you receive.
We cap our fees, so clients with larger portfolios don’t pay disproportionately more.
We’re flexible too. So, if you want us to simply write your financial plan, which you implement, that’s fine. Alternatively, if like most of our clients you’re too busy, we’ll happily implement the plan for you. We’ll also keep it under review too, giving you the peace of mind that you’re on track to achieve your purpose.
To maintain transparency, and avoid conflicts of interests, we charge at three stages on the financial planning process.
The value of financial planning
Vanguard Adviser’s Alpha™ shows that, on average, financial planners add approximately 3% per year to their client’s net returns.
This is achieved through a combination of suitable asset allocation, cost-effective implementation, rebalancing, tax advice and behavioural coaching.
Building your financial plan
Financial planning puts you and your aspirations before financial products. So, we’ll start by understanding you and your goals. Once we’ve done that, we’ll analyse your current arrangements and develop a full financial-life plan.
Your plan will give you comfort that you’re heading in the right direction and peace of mind that you will achieve your goals.
We charge a fixed fee to produce the financial plan. We’ll confirm the exact amount at our first meeting. Unlike many financial planners, if you ask us to implement the plan, we’ll deduct the fee you paid at this stage from the implementation cost. It’s the fair thing to do.
Implementing your financial plan
All plans are only as good as their implementation.
If you ask us to implement the plan, we’ll do it efficiently and effectively, keeping you informed every step of the way.
We’ll confirm our fee for implementing the plan during our meetings. We’ll also explain our fee cap, which we’ve voluntarily introduced to ensure that you’re treated fairly if you have a large portfolio of investments.
Track and refine
Our clients tell us that our regular reviews give them tremendous peace of mind, confidence and reassurance because they know that they’re on track to achieve their goals.
They also know that if life blows their plan off course, we’ll work with them to put it back on track.
Again, we cap our ongoing fee to be fair to those people with significant wealth.
Fair, flexible and transparent
We’ve built our fee structure to be as fair, flexible and transparent as possible:
- As soon as we understand your circumstances, we’ll confirm the exact fees you will pay
- If you ask us to implement your financial-life plan, we’ll deduct the fee you paid from the implementation costs
- We’re flexible, so if you choose to do so you can implement your financial-life plan yourself
- If you prefer, we can calculate our fees based on our hourly rate and the time we spend working with you
- To be fair to people with significant assets, we place a cap on the implementation and ongoing fees.