Transparent, Competitive Fees With Zero Hidden Costs
We offer a free one-hour initial consultation which carries no obligation. Furthermore, we can meet you at your home or place of work. At its conclusion, we explain how we can help you achieve your goals before you incur any cost.
Published Investment & Advice Fee Schedule
Should you decide to proceed to the advice stage following your complimentary consultation, our fees are transparent, tiered, and highly competitive.
| Investment Value Bracket | Advice & Implementation Fee (%) | Ongoing Advice Fee p.a. | Included Advisory Scope |
|---|---|---|---|
| Up to £49,999 | 3.00% | £500 (fixed annual fee) | Pensions discovery, scheme consolidation, annual review report |
| £50,000 to £99,999 | 1.50% | 0.75% per annum | Full SRI / ethical screening, ongoing risk calibration, face-to-face review |
| £100,000 to £149,999 | 1.25% | 0.65% per annum | Tax-efficient drawdown strategy, fund rebalancing, annual bound report |
| £150,000 to £299,999 | 1.00% | 0.60% per annum | Holistic wealth preservation, estate planning coordination, in-person meetings |
| £300,000 to £499,999 | 0.75% | 0.50% per annum | Advanced IHT mitigation modeling, family trust alignment, portfolio audits |
| Over £250,000+ (High Value Portfolios) | 0.50% | 0.45% per annum | Bespoke institutional fee rate, comprehensive multi-generational oversight |
Note: Our fees are constantly monitored to ensure that they remain highly competitive when compared to other independent advisers across the United Kingdom.
Worked Client Examples: Exactly What You Pay
We believe you should understand to the single penny how our tiered fees apply in real-world scenarios.
£75,000 Pension Consolidation
Consolidating three disparate workplace pension pots into one ethical portfolio:
Includes full annual in-person review and comprehensive printed report.
£200,000 At-Retirement Portfolio
Establishing a flexible income drawdown and SRI portfolio upon retirement:
Includes whole-of-market drawdown optimization and annual tax allowance rebalancing.
£400,000 Wealth & IHT Planning
Structuring proactive inheritance tax mitigation and multi-pot retirement funds:
Includes nil-rate band alignment, business relief asset allocation, and annual home reviews.
Independent Advice vs. Restricted Wealth Networks
Why choosing a genuinely independent financial adviser protects your wealth from excessive charges and restrictive product locks.
| Feature | Ethical Adviser (Independent) | Restricted Brokers & Large Networks |
|---|---|---|
| Scope of Advice | 100% Whole-of-Market: Every UK provider and fund eligible. | Restricted to proprietary funds or a small commercial panel. |
| Upfront Advice Fee | 0.50% to 1.50% (for portfolios £50k+). | Often 3.00% to 5.00% upfront, often bundled quietly into investments. |
| Ongoing Management | 0.45% to 0.75% p.a. with full annual printed report. | Frequently 1.00% or higher, plus additional platform custody markups. |
| Exit Penalties | Zero: You are never locked in with exit charges. | May impose early withdrawal penalties spanning up to 6 years. |
| Values & SRI Alignment | Bespoke: Customized screening to your personal ethics. | Typically one generic "green" option with limited transparency. |
Schedule Your Free Initial 1-Hour Meeting
Speak with Martin Brennan directly to review your retirement arrangements. No charges apply until you receive our written proposal and agree to proceed.