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5 Reasons Not to Worry About Our Fees

Updated: Oct 26, 2022

Many people miss out on the benefits that an independent adviser can bring to their finances because they are put off by the fees advisers charge.

They’re simply not sure if they would get a return on the cost of advice or perhaps they simply don’t understand what fees apply and how they are paid.

Our clients know and appreciate us for our straight talk about difficult matters, so let me tackle this topic head on. Here are 5 reasons why you shouldn’t be concerned about the fees that we charge.

It’s free to get to know us

Let’s face it. Nobody likes buying something which they haven’t seen or touched. When you buy a car, the chances are that you’ll visit the showroom before placing your order. Likewise, you’ll want to see pictures of the villa you rent for your summer holidays before making your booking.

You wouldn't book a holiday villa without seeing it beforehand.

The services provided by an adviser are often intangible though. Yes, you can read our case studies, or even speak to one of our other clients to hear first-hand how our services have helped them towards their retirement goals. But that’s never as good as actually seeing what you’re going to get.

Add to the melting pot the fact that your pension is one of your most valuable assets and the uncertainty becomes quite uncomfortable.

That’s why we provide our initial review to clients for free, without obligation or commitment.

We’ll invest the time to meet with you, gain an understanding of your needs and research all the available options for you before presenting this in a written report entirely at our risk. If you don’t like what you see, you’re free to walk away. No questions asked. We do this because the reality is that we can afford to do so. We are confident enough in the outcome that we can justify doing some free work for new clients.

This means that you get to test our service and decide whether you want to work with us without any risk.

We'll invest the time to understand your requirements and present our recommendations, entirely at our risk.

Everything is clear and transparent

We fully understand that you need to get value for money from your IFA. The last thing that you want to see is any investment gains you achieve being unexpectedly wiped out by the cost of your advice or hefty transaction charges.

We’re careful to ensure that we always make it absolutely clear in advance what our charges are for any piece of work we do. There will never be any surprises because we never make any retrospective charges.

You’ll always be able, therefore, to decide if we are providing value for money or not. For sure, you might find a cheaper service elsewhere, but at least you’ll be in a position to judge.

We make money by providing a good service

Relationships always work best when both parties’ interests are closely aligned.

We build long-term relationships with our clients and work closely with them throughout the year to deliver a great service that adds real value.

IFAs shouldn't tie their clients into long-term contracts. If they're not adding value you should be able to sack them. Right then and there.

We do not tie clients into any long-term contracts. Our service is entirely Pay-As-You-Go. We charge for our ongoing services monthly and you can leave at any time if you don’t feel that we’re adding value. All you need to do is drop us an email.

There’s no need to worry about having to pay for something that isn’t working for you.

No need for cash

You probably won’t want to use your day-to-day earnings or savings to pay for the advice we provide. That’s okay. We offer a number of options to make things as easy as possible.

We normally make arrangements to be paid by your pension provider once our work is complete. Of course, if you’d rather pay directly for our services direct that’s also fine.

So there’s no need to delay getting your retirement plan in place. Your future financial security is paramount and should be given the attention it deserves.

There are No Hidden Transaction Charges

We are genuinely committed to providing truly independent advice. This means that we work to ensure your pension is always invested in the most suitable products for your needs, helping you to achieve your retirement goals as quickly as possible. If the markets change and an alternative fund emerges that better suits your needs, we will advise you on the appropriate changes without charge.

Many firms make small charges for each transaction they execute for a client. However, the pennies add up and can amount to a significant cost over time. These transaction charges can make a material difference to your pension’s growth rate.

We recognise that the lower your fees, the better your chances are of achieving your investment goals and so structure our fees accordingly.

Pity the man who knows the cost of everything and the value of nothing

It’s clearly important to appreciate the difference between cost and value. We are determined to deliver great value to our clients on an ongoing basis through a schedule of events designed to maximise tax efficiency as well as enhancing and protecting your wealth.

The majority of our clients take advantage of our portfolio management service which ultimately achieves their goals.

We like to think our service is refreshingly different

We like to think you will find that our ongoing relationship with you and your investments is refreshingly different and highly proactive.


The content of these articles are for information only and should not be seen as advice or recommendation to act. If you do wish to take action, seek independent advice first as your circumstances may be different to what has been discussed in these articles. When investing, your capital is at risk and it may go down as well as up. You may not get back the original capital invested. Pension investment should be seen as a long term investment. Please note that pension legislation can and may change in the future.

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