Our Fees

We believe in complete transparency. Here's how our fees work across each of our services.

Pension & Investment Advice

Our initial consultation is free with no obligation. If you decide to proceed, fees are based on the complexity of your situation and are agreed in advance. There are three things we do for our fee: invest sensibly, report to you, and administer and advise.

Initial advice fee Typically 1-3% of the amount invested, depending on complexity. This covers research, analysis, recommendation, and implementation.

Ongoing service fee Typically 0.5-1% per annum for ongoing advice, annual reviews, portfolio monitoring, and rebalancing.

Ad-hoc advice Charged at an agreed hourly rate where ongoing service is not required. Suitable for one-off questions or reviews.

Defined Benefit transfer advice Fixed fee for analysis and recommendation — not a percentage of the transfer value.

Mortgage Advice

Our typical mortgage advice fee is £299, though this varies based on your circumstances. The fee is payable on completion of the mortgage, so there is no upfront cost if the mortgage doesn't proceed.

Standard mortgage fee £299 typical, payable on completion. Covers the full advice process from application to completion.

Complex/commercial cases Fee agreed in advance based on case complexity. Commercial mortgages, development finance, and bridging may attract a higher fee.

Equity release Fee agreed in advance, typically between £995 and £1,495 depending on complexity.

Bridging finance Fee agreed in advance based on deal size and complexity.

Insurance & Protection

We typically receive commission from the insurance provider, meaning there is often no direct fee to you. This applies to most personal and business protection products.

Personal protection Usually no fee — we receive commission from the provider. This includes life insurance, critical illness, income protection, and PMI.

Business protection Fee or commission basis, agreed in advance. Covers shareholder protection, key person, and relevant life insurance.

Specialist life insurance Usually no fee — commission from the specialist provider.

Important

Your initial consultation is always free and without obligation.
We will always explain our fees clearly before any work begins.
Fees may vary based on the complexity of your circumstances. We'll agree everything in writing before proceeding.
Some services may also attract a commission from the product provider, which will be disclosed to you.

Frequently Asked Questions

What does 'independent' actually mean?

It means we're not tied to any bank, insurance company, or product provider. We can recommend products from the entire market, so our advice is based purely on what's best for you.

Do I need a minimum amount to invest?

No. We work with clients at all stages of their financial journey. Whether you're just starting to save or have significant assets to manage, we can help.

How do I know if I need financial advice?

If you're unsure what to do with your pension, thinking about retirement, buying a property, or want to make sure your family is protected, we can help. Our initial consultation is free, so there's nothing to lose.

Is my initial consultation really free?

Yes. There's no charge and no obligation. We'll discuss your situation, answer your questions, and explain how we can help. If you decide not to proceed, that's absolutely fine.

How are you regulated?

We are authorised and regulated by the Financial Conduct Authority (FCA reference 961278). You can verify this on the FCA register at register.fca.org.uk.

Can I meet you remotely?

Absolutely. We offer face-to-face meetings at our Woodthorpe office, video calls, and phone consultations — whichever suits you best. We serve clients across the UK, not just Nottingham.

Questions about our fees?

We're happy to explain everything in detail — no obligation.

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