After the initial meeting if you want to progress and engage us to provide advice, a Commitment Fee of £1,500 will apply, whether or not you proceed with any recommendation that we make.

The Commitment Fee covers some of the cost of the initial data gathering, research, analysis, and discussions with other professional advisers, as required.

If you instruct us to implement our recommendations, you will pay an Implementation Fee.

Our Implementation Fee is levied as a percentage of the assets invested. This is calculated on a banded basis as set out below:

• 1% on transactions over £500,000

• 2% on transactions between £250,000 - £499,999

• 3% on transactions up to £249,999

We will confirm the exact monetary amount based on the valuations at the time in our written Recommendations Report. For example, on a portfolio of £300,000 in total you will pay £6,000, or for a portfolio of £800,000 you will pay a total of £8,000.

Ongoing Plan Charges

You will pay 1% per annum, based on the value of your overall portfolio under our supervision, subject to a £2,500 minimum. For example:

• A portfolio valued at £750,000 would attract an annual fee of £7,500.

• A portfolio valued at £350,000 would attract an annual fee of £3,500.

Regular Premium Pensions and Investments

Our Implementation Fee for regular premium pensions and investments is 3% of the first year’s annual premium. For example: A regular premium of £1,500 per month (£18,000 per annum) would attract a fee of £540.

Additional Fees

Where specialist advice, or advice outside of the scope of our service* is required, an additional fee will be charged, typically based on the time and personnel required to meet your needs. This will always be set out in writing and agreed with you prior to the commencement of any work, and we will confirm if VAT applies. Hourly rates will be charged as follows:

• Chartered or Certified Financial Planner, £250 per hour

• Wealth Planner, £175 per hour

• Paraplanner, £95 per hour

• Administrator, £45 per hour

*For example: Mortgage, Equity Release, Defined Benefits, Protection and Long-Term Care Advice are all outside our core advice services and will attract an additional premium.