ADVISEDLY: PUBLISHED FINANCIAL ADVICE FEES
Research briefing | Analysis: 16 September 2026
https://advisedly.co.uk/research/published-financial-advice-fees

WHAT WAS STUDIED
Public fee disclosures from 50 selected UK firms. Source collection expanded on 15 September 2026; each firm has its own source-check date.
The sample was selected for accessible disclosures. It is not representative of the UK market and cannot establish average fees, market-wide transparency or the cheapest firm.

ONGOING FEE MODELS IN THE RECORDED SERVICES
Percentage of assets: 30 of 50
Fixed annual or monthly fee: 8 of 50
Fixed or percentage options: 6 of 50
Combination of fees: 3 of 50
Ongoing figure not published: 3 of 50
One category per firm. Percentage models can include minimums or caps. A firm may offer services outside the recorded scope.

ANNUAL RATE ILLUSTRATIONS
One year at a constant asset value, before any VAT. Initial, platform, fund, product and transaction charges excluded. Services differ; these are rate illustrations, not comparable service quotes, rankings or a market average.
Amounts under advice: £100,000 | £250,000 | £500,000 | £1,000,000
Betterment Wealth: £800 | £2,000 | £4,000 | £8,000
Conditions: First £1m rate; the selected examples do not exceed £1m. Confirm VAT treatment in your quote.
Source: https://bettermentwealth.co.uk/fees/financial-planning/ (checked 2026-09-14)
Fidelity Wealth Management: £650 | £1,625 | £3,250 | £6,500
Conditions: Annual Financial Review; minimum £100,000 to enter. Investment charges are additional. The document states no VAT on the annual review charge. VAT can apply to other advice, including a recommendation to retain safeguarded pension benefits.
Source: https://www.fidelity.co.uk/media/PI%20UK/pdf/fidelity-wealth-management-tob.pdf (checked 2026-09-15)
Finura: £1,000 | £2,500 | £5,000 | £10,000
Conditions: The examples stay within the published up-to-£2.5m band. Investment charges are additional. Confirm VAT treatment in your quote.
Source: https://finura.co.uk/value-fees/ (checked 2026-09-15)
Hargreaves Lansdown: £365 | £912.50 | £1,825 | £3,650
Conditions: VAT can apply. Platform and investment charges are additional. The document says VAT can apply; obtain the applicable tax-inclusive quote.
Source: https://www.hl.co.uk/__data/assets/pdf_file/0010/9744328/financial-advice-key-facts-and-terms.pdf (checked 2026-09-14)
Just Financial Planning: £500 | £1,250 | £2,500 | £5,000
Conditions: Uses the stated typical rate; a bespoke quote can differ. Confirm VAT treatment in your quote.
Source: https://justfinancialplanning.co.uk/our-fees/ (checked 2026-09-14)
RBC Brewin Dolphin: £850 | £2,125 | £4,250 | £8,500
Conditions: Before applicable VAT; planning only, not combined wealth management. VAT is applied where required; the source example includes 20% VAT.
Source: https://www.rbcwealthmanagement.com/en-uk/wp-content/uploads/sites/10/2023/10/fees-brochure-charges.pdf (checked 2026-09-14)
Spentwell: £1,000 | £2,500 | £5,000 | £10,000
Conditions: Comprehensive ongoing service; initial charges are separate. Confirm VAT treatment in your quote.
Source: https://www.spentwell.co.uk/what-it-costs (checked 2026-09-14)
St. James's Place: £800 | £2,000 | £4,000 | £8,000
Conditions: Advice only. Product and fund charges are additional. Confirm tax treatment and any other costs in your quote.
Source: https://www.sjp.co.uk/individuals/charges (checked 2026-09-14)

INTERPRETATION
A lower headline rate does not establish better value: compare the scope of work, minimums, implementation charges, VAT and third-party costs. These calculations do not assess advice quality or client eligibility.
No personal quotes were requested. Inclusion does not imply partnership, recommendation or availability through Advisedly.

REUSING THE RESEARCH
Credit Advisedly and link to the study and relevant original source. Retain the source-check date, scope and limitations when reusing figures or charts.
Source table: https://advisedly.co.uk/research/published-financial-advice-fees.csv
Scenario table: https://advisedly.co.uk/research/published-financial-advice-fee-scenarios.csv

General educational information, not personal financial advice.