At Rainbird Financial, we believe financial planning should be clear, easy to understand, and offer you real value beyond just growing your money. We build lasting relationships by giving advice that truly fits your unique life. We'll help you plan for the life you want, handle important financial moments, manage your everyday money, and understand tax rules, all while offering the peace of mind of a trusted second opinion.
Our fees are straightforward and fair, providing you with quality advice that's also great value for money, so you can reach your financial goals with confidence. Below, you'll find a clear breakdown of our approach, covering initial planning, comprehensive services, and ongoing support options.
Understanding Your Needs
This phase covers our initial interactions, including detailed fact-finding and helping you to understand your existing finances in more detail.
We begin with a free Initial Consultation to understand your goals and introduce our services. This can be complemented by an audit of your current policies to provide clarity on your existing financial arrangements. We'll even waive the audit fee if you proceed with comprehensive planning.
- Initial Consultation: Free
- Existing Policy Audit: From £250
Comprehensive Financial Planning
After our initial conversation (and any policy audits), we'll help you determine the most suitable service option based on your unique circumstances and financial goals. Whether it's a comprehensive strategy or advice on a specific area, we'll research and advise on the most suitable way forward.
This in-depth service covers your entire financial picture: from strategic planning, goal setting, and risk profiling to wealth and tax advice, tailored investments, and full implementation support. It's ideal for those with diverse situations, multiple goals, or complex needs, as well as those who just want the peace of mind which comes from having their finances professionally managed.
Fees are calculated as a percentage of assets advised on, reflecting economies of scale:
- For the first £250,000 (£0 - £250,000): 2.00%
- Next £250,000 (£250,000.01 - £500,000): 1.50%
- Next £250,000 (£500,000.01 - £750,000): 1.00%
- Next £250,000 (£750,000.01 - £1,000,000): 0.50%
- For all assets above £1,000,000: 0.20%
Example: An investment of £400,000 incurs a total initial fee of £7,250.
A minimum fee of £1,800 applies to all cases to cover fixed administration and regulatory costs.
Estimate Your Initial Fee
Enter the total investment amount for comprehensive planning and implementation to estimate your fee.
Ongoing Support Services
Beyond just setting up your finances, keeping them on track and being able to adapt to changes is key. Our Ongoing Services offer a continuous partnership, making sure your financial plan always fits your goals no matter how they evolve.
We offer three distinct tiers, each building on the last to provide increased levels of engagement, planning depth, and proactive management tailored to your evolving financial needs:
Core Service: 0.60% per annum, subject to a £1,000 annual minimum. Ideal for clients with simpler financial needs, focused on investment management and basic oversight.
Enhanced Service: 0.75% per annum, subject to a £1,875 annual minimum. Enhanced offers increased engagement, deeper planning, and proactive adjustments for more complex needs.
Premier Service: 0.75% per annum, subject to a £3,750 annual minimum. Assets over £1M discounted. Premier provides the most comprehensive, proactive, and integrated service for highly complex financial lives.
Estimate Your Ongoing Annual Fee
Select your preferred service level and input your total assets to estimate your annual fee.
Fixed Fee Services
For specific tasks that don't fall require such comprehensive planning, we offer a number of fixed-cost solutions:
- ISA Contribution Advice & Implementation: £400
- General Investment Account (GIA) Top-Up Advice & Implementation: £500
- Single Defined Contribution (DC) Pension Contribution Advice & Implementation: £600
- Protection Advice & Implementation: £200 per hour (minimum 1 hour charge)
- One-Off Financial Review: £2,500
- Hourly Rate Services: £200 per hour
Important Note: We don't offer execution-only services. Our services include a full advice process.