Financial Planning Transparent Fees | Charterbridge Private Financial Planning


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Transparent Fees

As you’d expect, Professional Financial Planning comes at a cost in much the same way as Professional Legal, Accountancy or Investment Advice. In our experience most consumers are currently spending over 2% pa on financial product charges and often considerably more.

In choosing a new Professional Financial Advice relationship, you’re faced with many complex ways of paying for service.  A cursory search confirms that it’s more time consuming than comparing complex telephone and broadband tariffs!  Except in this case the numbers are usually very much higher, so you really need to understand the small print and caveats.  Simplification and transparency in this area provides open, honest value and an exceptional competitive advantage to Charterbridge clients.

Keeping it simple, we make an initial charge of £500 to cover the set up costs of providing a detailed understanding of your financial position and objectives.

Beyond that, we charge 1% pa to provide the framework and environment in which to protect and grow the other 99% of your readily realisable assets, pension arrangements and trust funds, as disclosed and recorded on your Financial Planning Report.  This is subject to a minimum annual fee of £500 and service value guarantee.

Your readily realisable assets are the funds that you want to protect, grow, rely upon for future income/capital and pass on to your beneficiaries either during or beyond your lifetime.

As you might expect, the more assets you own, the greater the requirement for monitoring and managing them to ensure they fit well inside your growth expectations, evolving tax position and lifestyle objectives.

The economies of scale are brought to bear on our 1% pa charge as follows:

Readily Realisable Asset value:

Up to £1,000,000 1% per annum
£1,000,000 to £2,000,000 0.75% per annum
Over £2,000,000 0.5% per annum

Subject to a minimum charge of £500 per annum and service value guarantee.

Financial planning charges are subject to VAT at the current rate.

Alternatively, we can prepare cost schedules for specific tasks you may want us to undertake, like retirement cash flow forecasting to ensure that you don’t outlive your pension funds and run out of money.

Indeed, any extraordinary planning, complex tax planning, property portfolios, corporate financial planning, coaching and management consultancy, may be subject to additional charges to be explicitly agreed in writing before acting.

Financial product charges are NOT currently subject to VAT.

We provide access to some of the top brand names and financial products in the UK Financial Services sector, which can facilitate payment of an Adviser Charge (for financial product advice), by deduction from a product purchased to fulfil a financial objective (eg. ISA, Pension transfer, Investment platform, protection policies etc.), and rebated to us by the Product provider (formerly known as commission).

Initial (or arrangement) Charges range from 1.5% to 5% of the investment or transfer amount dependant upon the level of work and complexity involved to complete the transaction.  Without exception, these are always agreed and clearly disclosed in personalised Key Features Illustrations prior to, or at the point of sale.

On-going product service charges are 1% pa.

Where our advice relates to, or results in the procurement of investment, pension and protection products, it is not currently subject to VAT.

All Adviser Charges and rebates received are credited to your client account and in practice, often negate financial planning fees entirely. Learn more

Before starting ANY work we agree the service you would like us to deliver and our charge for doing so.

Service value guarantee.

Whatever charges we agree, we review them with you annually to ensure that we’ve earned our keep and provided real added value.

It’s never happened yet, but if the net effect of our charges should ever exceed the value we provide, we’ll rebate the difference to your client account without quibble.  

We also provide full service for clients under the age of 33 completely free of charge, please enquire for further details.



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