Fees explained - and what they cover
Transparent, FCA-compliant fees agreed in writing before any work begins. No hidden charges, no surprises.
Here is what I charge, and what each service includes. All fees are agreed in writing before any work begins - no hidden charges, no surprises. No VAT is applicable or chargeable on any of these services.
The initial 20-minute discovery call is completely free and without obligation. Fees for any further work are confirmed in writing and must be agreed before any chargeable activity begins.
Fees by service area
All fees are set by Fintuity Private Wealth and disclosed in your Client Fee Agreement before work begins.
Investment & Pension Advice
Initial fee capped at 3%
of gross value invested or reviewed · minimum £500
The initial advice and implementation fee is calculated as a percentage of the amount invested or reviewed and is capped at 3%, subject to a £500 minimum. The actual percentage applied depends on the size and complexity of the work and is agreed with you in advance before any chargeable work begins.
Example
You invest £10,000 into a pension and have £20,000 in existing pensions to review. If the agreed initial fee was 3%, the fee would be £900.
Ongoing Advice Service
Up to 1%
per year of total investment value · minimum £250/year
Includes portfolio monitoring, at least one annual review meeting (face-to-face for Fintuity Private Wealth clients), an annual review letter, and availability for ad hoc queries throughout the year. Charged monthly from your plan. Fully optional - you can cancel in writing at any time.
Example
Investments worth £100,000: the annual cost would be up to £1,000, paid as approximately £83/month from your plan.
Protection Advice
No fee
insurer pays a commission to us, which is always disclosed upfront
When arranging life insurance, critical illness cover, income protection or other protection products, we receive a commission from the insurer, funded from part of your premium. This is always clearly disclosed in the product illustration before you proceed - you pay nothing directly to us.
Inheritance Tax Planning
£2,500
initial holistic IHT review - then 1% if investment recommended
The £2,500 initial fee covers a comprehensive review of your inheritance tax position, including analysis of trusts, protection options and gifting strategies. If we subsequently recommend and implement an investment as part of your IHT plan, we charge 1% of the gross amount invested.
Example
IHT review (£2,500) + investment of £100,000 into a trust: additional fee of £1,000 (1% of £100,000).
One-off & Specialist Work
Fixed fee
agreed in writing before any work begins
For work that falls outside the standard fee structure - such as pension annual allowance calculations, or other specialist work - a bespoke fixed fee is agreed and documented before any work is carried out.
Example
An annual allowance calculation may attract a fixed fee of between £1,000 and £2,000, depending on complexity.
Fee summary
A quick reference to the fees detailed above.
| Service | Fee | Minimum |
|---|---|---|
| Investment & Pension Advice | Initial fee capped at 3% of gross value invested or reviewed; exact fee agreed in advance based on the size and complexity of the work | £500 |
| Ongoing Advice Service | Up to 1% per year of total investment value | £250/year |
| Protection Advice | No direct fee - commission from insurer (fully disclosed) | - |
| Inheritance Tax Planning | £2,500 + 1% of amount invested | £2,500 |
| One-off & Specialist Work | Fixed fee agreed in writing before work begins | Varies |
Initial 20-minute discovery call is always free. All fees disclosed in writing before any chargeable work begins.
You can also view our Client Agreement and Fee Schedule (PDF) for full details of how charges are agreed and applied.
Convenient, tax-efficient, flexible
Where possible, initial and ongoing fees are deducted directly from the recommended product - this is often more tax-efficient than paying by separate invoice, and means you do not have to transfer funds separately. Where this is not possible, fees are payable by bank transfer, debit or credit card, or direct debit.
Ongoing advice fees are calculated and paid monthly, so they rise and fall in line with your portfolio value. You can cancel the ongoing service at any time by notifying us in writing.
If you commission ad hoc work without an ongoing service in place, that fee must be settled before implementation of any recommendation. The initial invoice for other services must be paid within 15 calendar days of receipt.
If you decide not to proceed
If we carry out our full research and analysis and present you with a suitability report, and you then decide not to proceed with our recommendations, a £500 report fee is payable. This covers the work done on your behalf. This applies to investment and pension advice cases.
Is good advice worth the cost?
Some independent research suggests that, over time, people who receive regulated financial advice may build higher levels of wealth than those who do not. This is an average finding rather than a guarantee, and your own outcomes will depend on your circumstances, decisions and market conditions.
That is before considering the less measurable benefits: the confidence of knowing your plan is sound, protection that pays out when you need it, tax you do not overpay, and an inheritance tax position that may be improved with proper planning.
The real question is not whether advice costs something - it does. The question is whether the value of the advice is clear and worthwhile for your circumstances.
Start with a free 20-minute call
No fee, no commitment. We will talk through your situation, explain how advice works, and agree whether we are a good fit before any work begins.