Fixed fees.
Unlike many financial firms, we don’t charge percentages or use confusing fee structures that make no sense. Our fixed fees are simple, transparent, fair and excellent value.
Simple and transparent fixed fees.
According to the FCA, the average annual adviser fee is around 0.8% pa, which can add up over time and create an inherent cross-subsidy where wealthier clients pay significantly more. Our charging structure eliminates these hidden costs and complexities. There are no hidden charges, additional implementation fees, top-up fees, or tie-ins—just clear fees aligned with our commitment to transparency and fairness. You’ll know exactly what you’re paying for and will receive a consistent, high-quality service.
No percentages and no hidden fees
No contingent implementation fees
No top up fees or exit fees
Transparent pricing in pounds and pence
Evidenced-based, low cost portfolio and platform charges
Our fees.
We believe charging fees as a percentage of your assets is an out of date, unfair approach. Instead, our fees are simple, clear and transparent.
£1,500 to £2,500*
*For particularly complex planning requirements, we will provide a bespoke quote.
£1,200 pa to £7,500 pa*
*For particularly complex planning requirements, we will provide a bespoke quote.
How do our fees compare against other financial advisers?
FCA research shows that average charges across the financial planning profession are 2.4% of the amount invested for the initial advice and 0.8% per annum for ongoing advice (FCA Evaluation of RDR Report, December 2020). Independent research by The Langcat in 2020 showed that the average all in cost of advice, including products and investments, was 2.18% pa.
To compare against our fixed fees, you will need to convert % fees into pounds and pence based on the size of your investments. You will also need to factor in any additional % fees applied to topping up your portfolio and the costs of the underlying funds.
Our costs are typically lower when you look at the full picture, but we expect neither to be the cheapest nor the most expensive. What we do know, however, is that our fees are fair, transparent and represent excellent value in pounds and pence for the advice and services that we provide. Please contact us if you would like a free comparison quote.
Why use a financial planner instead of DIY?
We understand the appeal of the DIY route - it’s like attempting to fix your own car, cut your own hair, or perform minor surgery. The arguments for using a professional financial planner are much the same as those for hiring any professional. Sure, you could do it, and you’re certainly intelligent enough, but the real question is: should you?
In Vanguard's "Advisor’s Alpha" study, they estimate that good financial advisers can add approximately 3% in net returns annually for their clients by focusing on areas beyond just investment selection. This 3% "advisor's alpha" comes from a combination of strategies, which include behavioural coaching, asset allocation and rebalancing, tax efficiency and spending and withdrawal strategies.
Time is our most precious resource, and it costs money. While the DIY "no-help" option might appear free, every hour you spend trying to master financial planning comes with a price—whether it’s the opportunity cost of not earning more money, creating additional wealth, or simply enjoying life with your family. Partnering with a financial planner frees up your time, allowing you to focus on what matters most.
Would you DIY surgery? We’re financial specialists with years of experience—much like a doctor, mechanic, or architect. We live and breathe financial planning and dedicate our time all year round so you don’t have to. Why take on something as critical as your financial future without an expert? Mistakes and missed opportunities can be extremely costly and you don't know what you don't know. Study after study have shown that individuals with financial planners accumulate more assets during their working life and enjoy increased income in retirement. Our expertise ensures you make the most of your resources and avoid the costly pitfalls of going it alone.
Confidence comes from peace of mind. We simplify complex decisions, reducing stress and giving you the clarity and certainty to move forward in your financial journey. Our long-term commitment means we’ll guide you through financial complexities, keeping you on course as your plans and ambitions evolve. Mistakes often arise from human behaviour. That’s why we act as coaches, helping you stick to your plan and stay focused on your future vision. Through objective feedback, we address emotional tendencies, biases, and stress, acting as a trusted sounding board to keep your plan on track.
Achieving clarity begins with organising your finances and developing a tailored financial blueprint. We work with you to define your vision and create a customised plan designed to bring it to life. Our process ensures your financial goals are clear, actionable, and aligned with your priorities. Regular reviews adapt your plans to changes in circumstances or legislation, so you can move forward with certainty and purpose.
We believe in planning for the entire family unit, including spouses, partners, and, where relevant, children. This multigenerational approach creates a holistic financial plan that integrates legacy goals and ambitions. By engaging with all family members involved, we ensure your financial vision continues seamlessly across generations, supporting your values and securing your long-term aspirations.
Why we stand out.
Our independent, fixed fee financial planning service offers a very different approach to many traditional financial advice firms.
Simple fixed fees, transparent approach.
We've taken a completely fresh approach to fees. We don’t charge percentages or use confusing fee structures that make no sense. Our fixed fees are simple, transparent and fair.
Financial planning, not product selling.
You need more than a salesperson in a smart suit. We're not incentivised to sell you products. Instead, we have a genuine interest in helping you get the most out of life with your money.
Independent, evidence-based solutions.
Unlike many big names, we research our chosen investments and solutions from the entire market, removing conflicts of interest and ensuring you get a cutting-edge, evidence-based investment strategy.
See how we can help you live your best life.
Take our free financial health check or book a free initial meeting to see how we can help you get the most out of life.
The science of wealth.
Ready to learn the science of building wealth? We've launched an independent website full of videos, podcasts and blogs from our experts. Our aim is to take the complex and make it simple. No sales. No nonsense. Just quality information to help you on your financial journey.
Find out more
How much money do I need in retirement?
If you don’t know what ‘enough’ looks like, then you’ll never know whether you have it. And if you don’t know whether you have it, then you’ll always live the life of someone who doesn’t have ‘enough’… even if you do.
The 7 most common mistakes of DIY investors.
We see lots of DIY investment portfolios. In this video we unpick the 7 most common mistakes.
Make smarter financial decisions.
Get email updates from our experts. No sales. No nonsense. Just quality information from The science of wealth to help you on your financial journey.
YouTube channel.
Your go-to resource for expert tips, insights, and step-by-step tutorials. Our videos break down complex topics into engaging, easy-to-follow content. Designed for busy professionals, each video provides bite-sized value to help you make smarter financial decisions. Hit subscribe and join our growing community!
Podcast.
Each episode delivers actionable insights, expert interviews, and deep dives into topics that matter—whether it’s investing, financial planning, retirement or building long-term wealth. Designed to empower professionals, our podcast simplifies complex topics into practical steps for real results.
Free webinars.
Join our free webinars and gain exclusive access to industry-leading experts sharing strategies to grow, protect, and optimise your wealth. These live sessions cover a range of topics. With interactive Q&As, real-world examples, and practical takeaways, our webinars are an efficient way to boost your knowledge.
Free courses.
From the basics to mastering investments, these courses summarise everything you need to know when it comes to money. Each course is full of clear, actionable content to help you take control of your financial future. Work at your own pace, revisit lessons anytime, and see measurable progress.