A fixed amount
A stated price for agreed work or an ongoing service. Check what counts as extra work and when the price can change.
Check the service period →How much does a financial adviser cost?
Start with the amount you would pay in pounds, the work it covers and whether you need one-off or ongoing help.
Your total can include initial advice, putting the plan into action and an annual service. Platform and investment charges may be extra.
Looking for an adviser? Start an enquiry →What does that percentage mean for you?
Enter the amount under advice, one annual percentage and any initial advice charge. No contact details needed; these figures stay in your browser.
Does your quote have a minimum, cap or fixed annual fee? Use the quote comparison tool to include it. This simple calculator does not apply those rules.
Have a quote to check?
Compare the full first-year cost, annual cost and included work.
Put two quotes side by side →Three ways an adviser may charge
An hourly rate
The rate multiplied by time spent. Ask for an estimate, who does the work and whether the firm needs approval before exceeding it.
Prepare your questions →A percentage
A rate applied to a stated asset amount. Minimums, caps and different rates for different bands can change the calculation.
Understand a 1% fee →Firms can combine charging models. MoneyHelper explains the main fee types. Ask for the proposed work and charges in writing.
A percentage is only part of the price.
In our research, 16 of 50 disclosures state a minimum charge alongside percentage-based ongoing advice for at least one service.
For example, Cervello publishes 1% with a £3,000 annual minimum. On an illustrative unchanged £100,000, that means £3,000 for a full year of advice, before other charges or any applicable VAT.
Selected disclosures, not a UK market average or a personal quote. Eligibility and services differ. Each firm has its own source-check date; latest review .
Separate the first-year bill from the annual fee.
A quote of 0.75% a year does not tell you the cost of getting started or holding the investments. Put each separate charge on one list and ask which amounts are already included.
| Separate charge | First year | Later full year |
|---|---|---|
| Initial advice and implementation: 2% | £5,000 | £0, if no new initial work |
| Ongoing adviser service: 0.75% | £1,875 | £1,875 |
| Platform: 0.25% | £625 | £625 |
| Funds: 0.40% | £1,000 | £1,000 |
| Total of these separate charges | £8,500 | £3,500 |
This is arithmetic, not a quote or an estimate of typical fees. All annual charges run for a full year on the same unchanged balance, without deductions, growth or withdrawals. Initial advice includes implementation in this example. VAT, transaction costs and other work are excluded. Real charging dates and balances can change the total.
Questions to settle before you agree
Is a 1% adviser fee expensive?
At a constant £250,000, 1% is £2,500 for a full year before any minimum charge or other costs. The percentage alone cannot establish value: compare the work included, the total bill and another quote.
Understand a 1% quote →Do I have to pay for ongoing advice?
Ask whether the firm offers the work as a one-off service. If you choose ongoing advice, ask what happens each year, what costs extra and how to end the agreement.
Compare one-off and ongoing advice →What if a quote uses tiers or hourly rates?
Ask for a total in pounds for your brief and asset amount. A single percentage calculation cannot reproduce a tiered schedule or predict the hours needed. Use the quoted annual amount in our comparison tool.
Compare written quotes →Does the Advisedly enquiry cost anything?
Sending an enquiry to Advisedly is free. A receiving adviser sets and agrees any charges for its own advice with you. Our research is a comparison of public disclosures, not a list of firms available through our enquiry service.
How we review enquiries →Go deeper on the fee you are comparing.
Use the calculator first, then read the guide that matches the charging model or percentage in front of you.
How much does a financial adviser cost in the UK?Understand financial adviser costs with fixed, hourly and percentage examples. See initial and ongoing fees, minimum charges and what to ask for in a quote.One-off vs ongoing financial advice: costs and servicesUnderstand one-off financial advice costs, what the fee includes and how it differs from ongoing advice. Compare scope, implementation and follow-up.Is a 1% financial adviser fee expensive? Costs in poundsSee what a 1% adviser fee costs on £100,000, £250,000, £500,000 and £1 million, with monthly equivalents, ten-year illustrations and total-cost checks.Are financial adviser fees capped?UK financial adviser fees are not generally subject to one fixed regulatory cap. Learn what the FCA rules require, how voluntary caps work and how to compare a quote in pounds.Can you negotiate financial adviser fees? What to askAsk about financial adviser fees with a clear comparison of scope, cash costs, tiers and caps. Use a practical script for discussing a quote.How much does defined benefit pension transfer advice cost?Why DB transfer advice can cost thousands, when advice is legally required and what to compare between specialist firms.
Prepare for a useful conversation.
Take the free first-meeting pack with you to record the work, fees and questions still to resolve.
Get the meeting pack →Looking for an adviser?
Tell us what help you need. Advisedly will review your enquiry and contact you about a possible introduction.
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