Fixed-Fee Financial Advice

Fixed-fee financial advice means you pay a pre-agreed, flat rate for a specific piece of financial planning work or a defined service. Unlike percentage-based fees, the cost does not fluctuate with the value of your investments. This offers complete cost transparency and is ideal for clients who have clear, singular financial needs, such as setting up an ISA, reviewing pension contributions, or arranging specific protection policies, without requiring ongoing wealth management.

Our focused advice menu includes several popular fixed-cost solutions. These commonly involve ISA contribution advice and implementation, General Investment Account (GIA) top-up advice, and single Defined Contribution (DC) pension contribution advice. We also provide Protection advice and implementation charged at an hourly rate. Each service includes a full advice process, suitability assessment, and assistance with setting up the relevant financial product. For full pricing details, please see our Fees & Charges page.

Whether fixed fees are more cost-effective depends on your specific needs and the complexity of your financial situation. For targeted, one-off advice or transactional work, fixed fees offer clear value and transparency. For clients with diverse financial goals, multiple investments, or complex situations that require continuous monitoring and proactive management, our ongoing percentage-based services (Core, Enhanced, Premier) often provide greater long-term value. We can help you determine the most suitable approach during an initial consultation.

Yes, our fixed-fee services are designed to be comprehensive. The stated fee includes not only our expert advice and personalised recommendations but also full assistance with the implementation process. This means we will help you complete all necessary applications and ensure your chosen financial product or strategy is set up correctly. For example, for ISA or GIA contributions, we guide you through the entire setup from suitability assessment to the final processing of your lump sum or regular payment.

Our Protection Advice and Implementation is charged at an hourly rate, reflecting the bespoke nature of assessing personal protection needs. This service includes a comprehensive needs assessment (for life, critical illness, and income protection), a review of any existing policies you hold, in-depth research to identify suitable solutions from the market, and full assistance with the application process. Our fees are based on the time taken, ensuring objective advice regardless of the policy's final outcome with the provider.

Absolutely. Some clients start with our fixed-fee services for specific needs and then, as their financial lives become more complex or their desire for continuous guidance grows, transition to one of our ongoing support tiers (Core, Enhanced, or Premier). We make this transition seamless, ensuring continuity in your financial planning journey. Your financial planner will be happy to discuss the benefits of ongoing services when your needs evolve.

For a complete and transparent breakdown of all our fixed fees, including the specific charges for ISA contributions, GIA top-ups, pension contributions, and our hourly rate for protection advice, please visit our dedicated Fees & Charges page. This page provides all the detailed pricing information you need to make an informed decision.