Financial adviser fees: 50 UK firms compared.

Name: Published financial adviser fees: 50 UK firms compared
Creator: Advisedly

We reviewed the public fee pages and charging documents of 50 UK firms. Compare what they charge for initial work and ongoing advice, then check what sits outside each price.

By Advisedly Editorial Team · Analysis updated 25 October 2026 · Latest source review 25 October 2026.

These are published examples, not personal quotes or a UK market average. Services differ. Inclusion does not mean a firm is recommended by Advisedly or participates in our enquiry service.

Compare the 50 firms See fees in pounds

Initial and ongoing charges, side by side

Firms appear alphabetically. A planning report, implementation and ongoing advice are different pieces of work. “Not stated” means we did not find a figure in the source reviewed; it does not mean the service is free.

Published advice charges. Read each firm's scope and VAT notes before comparing.
Firm	Initial advice or planning	Ongoing advice
Atticus Financial PlanningFixed fees, with a percentage option	£1,500 full planning review; other tasks priced separately	Fixed annual bands £1,500–£10,000; percentage option available
Avanti Financial PlanningCore financial planning example	£750 plan, plus £500–£2,000 implementation	Not stated on this page
Balance: Wealth PlanningFinancial planning	Typically £4,000–£8,000; wider range applies	Typically £333–£666 a month
Betterment WealthTypical financial planning service	£2,495 typical fixed fee, including implementation	0.80% first £1m; 0.65% above; annual cap applies
Britannic PlaceRetirement and financial planning	£2,500 plan; offset against implementation up to 1%	Tiered 1%–0.25%; £5,000 annual minimum
Cervello Financial PlanningFinancial plan with separate implementation	£2,800 plan, plus 1% implementation	1% a year; £3,000 annual minimum; retainer option
ChadwicksOngoing wealth management	No upfront fee for wealth management; exceptions apply	Published bands 1% / 0.5% / 0.3%; non-standard work quoted
Christina Clegg Financial Planning ServicesFinancial planning	Tiered 3% / 2% / 1%; £3,000 minimum, £15,000 cap	0.65%–0.75% with limits; Digital £750 yearly; service scope differs
Continuum WealthPlanning and investment services	Plan usually £1,500–£2,000, plus investment implementation	Plan servicing £750–£1,500; investment servicing priced separately
Daly, Hoggett & Co.Financial planning	Time-costed quote; April 2025 rates £230 / £70 an hour	0.5% annually; additional time-costed work may apply
East Anglian Financial PlanningFinancial planning	Task-based fees; cash investment advice from £1,650	Tiered 1% / 0.6% / 0.45% / 0.1%
Empower PartnersComprehensive financial planning	Personal quote required	From £3,815 a year
Engage Financial ServicesFinancial planning	Plan £995–£9,995; clarify implementation	From £3,120 a year
Fidelity Wealth ManagementInvestment and pension advice; Annual Financial Review	1% invested; £10,000 cap; specialist pension fees separate	0.65% a year; £100,000 minimum to enter review service
Fiducia Wealth ManagementPlanning, implementation and a choice of review services	Planning from £750; separate implementation up to 3%	0.5%–1% by service; review frequency differs
Financial Freedom SoonerFinancial planning	Plan £1,250 or £2,500; implementation extra	£120 / £240 monthly; percentage supplement above £1m
Financial Planning CorporationFinancial planning	Review typically £2,500–£10,000; implementation offset applies	Numerical rate not published on this page
FinuraFinancial planning and ongoing wealth management	From £2,400, including implementation where required	1% up to £2.5m; lower rates for larger portfolios
First WealthPlan, implementation and ongoing service	£3,000 / £5,000 / £7,000 plan, plus 1% implementation	Tiered 1% / 0.8% / 0.3%; £2,000 annual minimum
Fyfe FinancialFinancial planning	Typically £2,500–£7,500	Normally from £2,832 a year
Hargreaves LansdownFinancial Planning; Investment Advice priced separately	Financial Planning: tiered 2% / 1.5% / 0%; £1,495 minimum	0.365% a year, plus VAT where applicable
Herbert & WebsterPrivate wealth planning	£10,000 plan, plus implementation; minimum needs confirmation	0.5% a year; £10,000 minimum
Intellego Financial PlanningInvestment and retirement planning	Optional plan £1,500–£2,500 + VAT; implementation extra	0.85% or 1%; service minimums and caps apply
Just Financial PlanningFinancial plan and optional implementation	£500–£1,500 plan; credited within implementation	Typically 0.50% a year
Lawrence ClarkeFinancial planning	Tiered 2%–0.1%; £12,000 cap	Tiered 1% / 0.5% / 0.15%; £12,000 annual cap
Life Planning LimitedFinancial planning	Plan £1,500–£3,000; implementation separately priced	0.25%–0.75% a year or fixed monthly fee
Linkage Financial SolutionsFinancial advice	Personal quote required	Typical 0.5%–1.25%; usually 1%
Lucent Financial PlanningFinancial planning	£4,987 plan, plus implementation usually 1.5%	0.85%; annual minimum £4,248, maximum £27,996
M&GLump-sum investment or transfer advice	Tiered initial rate: 3% down to 1%	Not stated on this page
Mission Financial PlanningFinancial planning	Reports from £1,800 / £2,700 / £4,000, plus implementation	Tiered 1% / 0.5% / 0.25%; separate Family Office service
Nestbox Financial PlanningFixed fees for three separate stages	£1,500–£3,000 plan, plus £1,000–£2,000 implementation	£200–£500 a month (£2,400–£6,000 over 12 months)
Old MillFinancial planning	£5,000 / £7,500 by assets and product count; larger cases quoted	1% a year; Wealth Management eligibility applies
Paramount Wealth ManagementInvestment advice or planning only	1% advice and implementation, capped £5,000; planning-only £2,000	0.75% a year; £7,500 cap per product
Pensionhelp DirectGeneral investment advice	General investments: tiered 3% / 2% / 1%; £1,200 minimum	0.75% annually; £1,000 minimum
Polaris WealthFinancial planning and wealth management	£2,000 full plan; implementation extra	Wealth Management bands 0.75%–0.06%; Asset Management 0.5%
Private Capital (UK)Financial planning	Planning and implementation from £1,500	Typically 0.75%; £1,875 annual minimum; fixed option
Purpose Financial PlanningFinancial planning	£1,950 plan, plus implementation in the worked example	0.6% / 0.88% / 1%; minimums £1,665–£5,550
PWS Financial ConsultingFinancial planning	£3,500 standard; £5,400 or £7,500 for complexity	Tiered 1% / 0.5%; threshold depends on complexity
Pyrford Financial PlanningFixed-fee financial planning	£4,000–£7,500, including implementation	From £5,000 a year
Quilter Financial AdvisersInvestment and pension advice	0.25%–3%; typically 1.5%–2%; some fixed-fee work	0.6%–1% of the sum invested
RBC Brewin DolphinFinancial Planning only service	Not specified in the reviewed planning-only table	0.85% a year before applicable VAT
Red Circle Financial PlanningFinancial planning and reviews	£2,250 full plan; additional plan work extra	0.5%–0.8%; service minimums £1,200–£5,000
Smith & Wardle Financial PlanningFixed fees according to complexity	£2,000–£3,600 plan; £1,200–£3,000 implementation; exceptions apply	£1,200 / £2,100 a year; bespoke £3,600–£7,500
SpentwellComprehensive financial planning	£995 plan, plus 1% implementation	1% a year
St. James's PlaceInitial and ongoing advice on SJP investments	Tiered 3% / 2% / 1% on amounts invested	0.80% advice, plus product and fund charges
Sterling & LawInvestment and pension advice	Tiered 2%–0.25%; £1,000 minimum; pension terms differ	Two service levels; marginal bands and minimums apply
Talis IFAFinancial planning	Plan from £2,000, plus tiered 1.5% / 1% / 0.5% implementation	0.75% or 1%; £1,200 annual minimum
Taylor HainesInvestment advice	General lump-sum tiers 3% / 2.5% / 2%; ISA terms differ	0.75% Exclusive or 1% Classic
The Money ClinicFinancial planning and review	Plans £360–£1,500; new-product implementation extra	0.3% / 0.5% / 0.6%; service minimums and caps
XentumWealthPlan and fixed fees based on complexity	£3,945 plan; credited against implementation	Illustrative levels £1,500 to £15,000+ a year

What would the ongoing advice rate be in pounds?

Example amount under advice

These 8 examples use published percentage rates. They show one year's advice fee at a constant asset value, before any VAT. Initial, platform, fund, product and transaction costs are excluded. The services are not identical, and a firm may quote a different rate or have eligibility conditions.

Showing annual advice fees on £500,000.

Betterment Wealth0.8% a year

£4,000

First £1m rate; the selected examples do not exceed £1m.

Fidelity Wealth Management0.65% a year

£3,250

Annual Financial Review; minimum £100,000 to enter. Investment charges are additional.

Finura1% a year

£5,000

The examples stay within the published up-to-£2.5m band. Investment charges are additional.

Hargreaves Lansdown0.365% a year

£1,825

VAT can apply. Platform and investment charges are additional.

Just Financial Planning0.5% a year

£2,500

Uses the stated typical rate; a bespoke quote can differ.

RBC Brewin Dolphin0.85% a year

£4,250

Before applicable VAT; planning only, not combined wealth management.

Spentwell1% a year

£5,000

Comprehensive ongoing service; initial charges are separate.

St. James's Place0.8% a year

£4,000

Advice only. Product and fund charges are additional.

Fixed fees and “from” prices are shown in the main comparison rather than converted into a quote. At £500,000, RBC's source shows £4,250 before VAT and £5,100 with VAT. Check the tax-inclusive cost with every firm.

Compare all four amounts

One year's advice fee before any VAT. Other charges excluded; services differ. These are the same eight rate examples, not a ranking.
Firm	£100,000	£250,000	£500,000	£1,000,000
Betterment WealthFirst £1m rate; the selected examples do not exceed £1m.	£800	£2,000	£4,000	£8,000
Fidelity Wealth ManagementAnnual Financial Review; minimum £100,000 to enter. Investment charges are additional.	£650	£1,625	£3,250	£6,500
FinuraThe examples stay within the published up-to-£2.5m band. Investment charges are additional.	£1,000	£2,500	£5,000	£10,000
Hargreaves LansdownVAT can apply. Platform and investment charges are additional.	£365	£912.50	£1,825	£3,650
Just Financial PlanningUses the stated typical rate; a bespoke quote can differ.	£500	£1,250	£2,500	£5,000
RBC Brewin DolphinBefore applicable VAT; planning only, not combined wealth management.	£850	£2,125	£4,250	£8,500
SpentwellComprehensive ongoing service; initial charges are separate.	£1,000	£2,500	£5,000	£10,000
St. James's PlaceAdvice only. Product and fund charges are additional.	£800	£2,000	£4,000	£8,000

Download all 32 illustrations with their sources and conditions (CSV) →

What the fee disclosures tell us

A fee comparison starts with the charging structure. These are the models described in our selected sample of 50 firms.

Ongoing fee models in this research Number of firms · 15 September 2026

Percentage of assets30 firms
Fixed annual or monthly fee8 firms
Fixed or percentage options6 firms
Combination of fees3 firms
Ongoing figure not published3 firms

One category per firm, based on the services recorded here. Percentage fees may also have minimums or caps. Firms were selected for accessible fee disclosures; this chart does not describe the wider UK market.

A percentage may have a minimum

Cervello publishes an ongoing 1% charge with a £3,000 annual minimum. On an illustrative £100,000, that minimum is equivalent to 3%, rather than £1,000. On £500,000, the percentage gives £5,000. These exclude other charges and any VAT; eligibility and a personal quote still need checking.

The advice fee is one part of the bill

St. James’s Place separates its 0.80% ongoing advice charge from product and fund costs. That is why the pounds examples below show advice charges separately. Ask for the complete first-year and ongoing costs before comparing quotes.

Compare the work as well as the price

A financial plan, putting recommendations into action and reviewing them each year are separate services. Check the work included, contact between reviews, cancellation terms and whether you need ongoing support.

Download the chart (SVG) · PNG version · Read the research method

Same annual advice rate. Different first-year bill.

Betterment Wealth and St. James's Place both publish an annual advice rate of 0.8% at £250,000. That is £2,000 for a full year at an unchanged balance. Their initial charging structures differ.

Betterment Wealth

Typical fixed fee, including implementation.

Published initial charge: £2,495
One full year's ongoing advice: £2,000
These advice charges in year one: £4,495

Original fee disclosure ↗ · Checked 25 October 2026

St. James's Place

Published 3% first tier; the agreed charge can vary.

Published initial charge: £7,500
One full year's ongoing advice: £2,000
These advice charges in year one: £9,500

Original fee disclosure ↗ · Checked 25 October 2026

Illustration on £250,000 for one full year, holding the asset value constant and treating initial fees as paid separately. Before any applicable VAT. Product, platform, fund, transaction and other charges are excluded. Services and eligibility differ; these are not equivalent quotes, total investment costs or a recommendation. Actual deductions, timing and agreed fees can change the bill.

Ask before agreeing: Does the initial fee cover putting the plan into action, and what will I pay altogether in the first year?

Compare the charges in your own written quotes →

A percentage fee can still have a minimum bill

16 of 50 disclosures state a minimum charge alongside percentage-based ongoing advice for at least one service. Check both figures before turning a rate into pounds.

This includes minimums that apply only to a particular service level. It describes our selected sample, not the proportion of all UK advisers using minimum charges. Analysis: 4 October 2026.

Scroll across to compare the final annual charges

Illustrations at an unchanged £100,000 for one full year
Published service	Rate alone	After the minimum
Cervello Financial PlanningPercentage ongoing service	1% = £1,000	£3,000£3,000 annual minimum
First WealthTier 1 ongoing service	1% = £1,000	£2,000£2,000 annual minimum
Pensionhelp DirectOngoing service	0.75% = £750	£1,000£1,000 annual minimum

Arithmetic illustrations, not offers or equivalent services. Eligibility, scope and a personal quote need checking. Initial, platform, fund, product and transaction charges, and any applicable VAT, are excluded. The asset value is held constant; actual deductions can differ.

See the 16 sources and counting method

Count a firm once where its reviewed disclosure states a numerical pound minimum alongside percentage-based ongoing advice for at least one service. Include explicitly conditional service-level minimums. Exclude starting prices for fixed-only services, asset entry requirements and eligibility thresholds. This selected disclosure sample is not representative of the UK market.

Britannic Place: £5,000 annual minimum alongside the marginal percentage schedule.
Cervello Financial Planning: £3,000 annual minimum alongside 1% or an equivalent retainer.
Christina Clegg Financial Planning Services: Bronze £1,500; Silver £2,750; Gold £5,000 annual minimums. Digital and Transact excluded from this classification.
East Anglian Financial Planning: Specific minimum annual fees apply when selecting a lower ongoing service tier; these are not a universal minimum for the standard schedule. PDF page 11.
First Wealth: £2,000 annual minimum alongside the percentage tiers.
Herbert & Webster: £10,000 annual minimum alongside the 0.5% ongoing rate.
Intellego Financial Planning: £2,000 annual accumulation minimum; £3,000 for retirement and later-life services.
Lucent Financial Planning: £4,248 annual minimum alongside the 0.85% ongoing rate.
Pensionhelp Direct: £1,000 annual minimum alongside the 0.75% ongoing rate. PDF page 16.
Polaris Wealth: £3,000 Wealth Management minimum; £500 annual Asset Management minimum.
Private Capital (UK): £1,875 annual minimum alongside the typical 0.75% rate.
Purpose Financial Planning: Gold £1,665; Platinum £3,330; Diamond £5,550 annual minimums.
Red Circle Financial Planning: Level 1 £5,000; Level 2 £3,000; Level 3 £1,200 annual minimums.
Sterling & Law: £1,000 annual minimum for Income Management; not assigned to Wealth Building. PDF page 6.
Talis IFA: £1,200 annual minimum for the ongoing percentage services.
The Money Clinic: Basic £300; Financial Planning £800; Retirement Planning £1,200 annual minimums.

Download the minimum-fee evidence (CSV)Apply the minimums in your own quotes →

What each price covers

Open a firm to read the charging structure and follow the original source. The source-check date is when we reviewed the information, not a guarantee that it is unchanged today.

Atticus Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: £1,500 for a full planning review including cash-flow analysis; £2,000 for pension consolidation.
Implementation: Investment arrangement is separately listed at £1,500. Confirm which tasks your quote includes.
Ongoing advice: Published annual bands: £1,500 on £250,000–£500,000; £3,000 on £500,000–£1m; £5,000 on £1m–£2m; £10,000 above £2m. The optional percentage service is 0.5%–0.75% a year. Confirm the treatment at a band boundary.
Scope: The band labels overlap at £500,000, £1m and £2m; confirm treatment at a boundary.
VAT: Confirm VAT treatment in your quote.

Ask the firm: Which fixed-fee band and initial tasks apply to me?

Avanti Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: £750 for an initial review including a basic financial plan; VAT may apply.
Implementation: An additional £500, £1,000 or £2,000 depending on the work. The page says these implementation charges are not subject to VAT.
Ongoing advice: No numerical ongoing advice fee was found on the reviewed page.
Scope: The page describes examples of its core service. Other services can have different fees.
VAT: VAT may apply to the £750 review; the page excludes VAT on implementation.

Ask the firm: Which implementation category would my work fall into, and what is the complete quote?

Balance: Wealth PlanningScope and source

Read the original charging document (PDF) ↗Undated charging guide, PDF pages 5–7 · Checked 4 October 2026

Plan or initial work: Typically £4,000–£8,000; the document gives a wider £2,000–£12,000 range.
Implementation: The described initial service includes help putting recommendations into action, unless agreed otherwise.
Ongoing advice: Typically £333–£666 a month, within a published £125–£833 range. The proposal sets a fixed fee for the agreed work.
Scope: The initial fee applies even if no products are recommended. Product and other third-party charges can be extra.
VAT: The guide says some work may attract VAT; confirm the treatment in your proposal.

Ask the firm: What implementation work and ongoing support does my fixed fee include?

Betterment WealthScope and source

Read the original fee page ↗Public fee page · Checked 25 October 2026

Plan or initial work: £2,495 for its typical service, covering research, analysis, the financial plan and implementation.
Implementation: Included in that typical fixed fee. Work outside the standard service can attract additional fees.
Ongoing advice: 0.80% a year on the first £1m and 0.65% above £1m. The published annual cap is £22,540, increasing with RPI each tax year.
Scope: The page lists separate hourly rates for non-standard work and separate ongoing and third-party charges. Confirm VAT treatment in a personal quote.
VAT: Confirm VAT treatment in your quote.

Ask the firm: Does my work fit the typical service, and which costs sit outside the fixed fee?

Britannic PlaceScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: The financial planning stage costs £2,500.
Implementation: Up to 1% of the amount advised on, with the plan fee offset. The stated minimum total initial fee is £2,500; complexity affects the quote.
Ongoing advice: Annual marginal tiers: 1% on the first £1m, 0.75% on the next £500,000, 0.5% on the next £500,000 and 0.25% above £2m. Minimum £5,000 a year.
Scope: The plan and implementation should not be added without applying the offset. Investment costs remain a separate consideration.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: What is my combined initial fee after the planning fee is offset?

Cervello Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: £2,800 initial planning fee.
Implementation: An additional 1% of the wealth invested.
Ongoing advice: 1% a year or an equivalent fixed retainer, with a £3,000 annual minimum.
Scope: The annual minimum can make the effective percentage higher on smaller portfolios. Request investment and platform costs separately.
VAT: Confirm VAT treatment in your quote.

Ask the firm: Does the annual minimum apply, and what would an equivalent fixed retainer cost?

ChadwicksScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: No upfront fee for the wealth management service, which includes an initial plan. Standalone advice is priced separately.
Implementation: No initial portfolio set-up fee. Entering flexi-access drawdown adds 1% of the pension fund value.
Ongoing advice: Published bands: 1% up to £1m; 0.5% on £1m–£3m; 0.3% above £3m. The main service has a £500,000 investment minimum. Smaller portfolios and non-standard work need a separate fixed or time-based quote. Confirm how the bands apply.
Scope: The main service states a £500,000 minimum investment. Non-standard work, drawdown, specialist advice and investment costs can add charges.
VAT: Confirm VAT treatment in your quote.

Ask the firm: Which band applies, and will drawdown or specialist work add a fee?

Christina Clegg Financial Planning ServicesScope and source

Read the original fee page ↗Public fee page and its charging tables · Checked 4 October 2026

Plan or initial work: Initial marginal tiers: 3% on the first £150,000, 2% on the next £350,000 and 1% above £500,000. Minimum £3,000; maximum £15,000.
Implementation: The investment service includes implementation. Regular-contribution plans have a separate £1,000 fee.
Ongoing advice: Bronze: 0.65%, £1,500–£2,500 annually. Silver: 0.7%, £2,750–£4,500. Gold: 0.75%, minimum £5,000 with an individually priced maximum. The table lists Digital at £750 a year and Transact as nil; confirm their different scope.
Scope: Fee tables include images. Service levels differ: Digital does not include the comprehensive annual financial health check. Ask what the Transact entry covers before treating nil as a service price.
VAT: The page states that its services are not currently subject to VAT.

Ask the firm: Which service level and annual minimum apply to the work I need?

Continuum WealthScope and source

Read the original charging document (PDF) ↗Version 9, June 2025, PDF page 5 · Checked 4 October 2026

Plan or initial work: The client agreement puts most financial planning reports at £1,500–£2,000.
Implementation: Investment implementation: 3% on the first £100,000, 1.5% on the next £200,000 and 0.75% above £300,000. Separate terms apply to specialist investments.
Ongoing advice: Plan servicing is usually £750–£1,500 a year. Investment servicing starts at 1.5% for portfolios of £200,000 or less, reducing for larger portfolios; externally managed discretionary portfolios carry a 0.5% adviser charge.
Scope: Planning and investment servicing have separate entries. Confirm which apply together and obtain the full investment cost.
VAT: The agreement says the firm will identify any VAT payable.

Ask the firm: Which planning and investment charges would I pay together?

Daly, Hoggett & Co.Scope and source

Read the original charging document (PDF) ↗PDF pages 3–4; fee rates dated 1 April 2025 · Checked 4 October 2026

Plan or initial work: Initial work is time-costed, normally quoted as a fixed total. The document lists £230 an hour for a planner and £70 for administration as at April 2025.
Implementation: Implementation is part of the initial stages used to calculate the agreed fee.
Ongoing advice: 0.5% annually on linked investments, with additional billing where ongoing income does not cover recurring work or new projects.
Scope: Hourly rates are reviewed each April, so request the current schedule. The percentage is not an all-inclusive promise.
VAT: The firm confirms VAT treatment in its separate fee letter.

Ask the firm: What are your current hourly rates and when would extra ongoing invoices be issued?

East Anglian Financial PlanningScope and source

Read the original charging document (PDF) ↗Disclosure PDF, pages 6–11; file dated 29 March 2024 · Checked 4 October 2026

Plan or initial work: The schedule includes cash investment advice from £1,650, pension consolidation at £1,980 for one plan plus £440 per additional plan, and cashflow forecasting at £825 plus VAT.
Implementation: No single implementation tariff covers all services; the document prices specific tasks and products separately.
Ongoing advice: Marginal annual tiers: 1% on the first £200,000, 0.6% on the next £800,000, 0.45% on the next £1m and 0.1% above £2m.
Scope: Ongoing service levels depend on assets; changing the service level can change the charge. This is a dated fee document.
VAT: Cashflow and specified other work are marked plus VAT; confirm the complete quote.

Ask the firm: Which task fees, service level and current minimums apply to my circumstances?

Empower PartnersScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Initial fees are personalised and agreed during the discovery process; no numerical initial price is published.
Implementation: No separate implementation amount is stated.
Ongoing advice: The minimum annual fee for comprehensive planning is £3,815. The quote depends on complexity and the amount of service required.
Scope: The fee is based on work and time rather than an asset percentage. Scope and price are agreed for each year.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: What is included in the first year and how would the following year’s scope change?

Engage Financial ServicesScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: A financial plan costs £995–£9,995, with the fee agreed before work starts.
Implementation: The page does not isolate a separate implementation amount. Its headline says no initial charges, while its planning section publishes a paid plan.
Ongoing advice: Fixed ongoing planning fees start at £3,120 a year for straightforward requirements. The firm reviews the fee annually.
Scope: The plan can be taken away without choosing ongoing management. Clarify the difference between the headline and the paid planning stage.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: What is the total cost of the plan and putting it into action?

Fidelity Wealth ManagementScope and source

Read the original charging document (PDF) ↗July 2026 document, code UKM0626; pages 5–6 and 14 · Checked 25 October 2026

Plan or initial work: 1% of the amount invested, capped at £10,000 each time new funds are invested, excluding applicable VAT.
Implementation: The standard advice fee is payable when funds are invested. Safeguarded-benefit pension advice has a separate 1% fee with a £4,000 minimum.
Ongoing advice: 0.65% a year on assets agreed within the Annual Financial Review service. Entry requires a £100,000 total account balance.
Scope: Fund, platform and transaction costs are additional. Specialist pension advice and some new investments can incur extra fees.
VAT: The document states no VAT on the annual review charge. VAT can apply to other advice, including a recommendation to retain safeguarded pension benefits.

Ask the firm: Which assets are included in the review, and is any specialist pension fee additional?

Fiducia Wealth ManagementScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: From £750 for straightforward investment advice or cashflow analysis; from £1,000 for pension planning and £1,500 for Inheritance Tax planning.
Implementation: Separate charge, capped at 3%. The published £300,000 pension-transfer example uses 1%.
Ongoing advice: Light touch: 0.5%, with a full review every three years. Platinum: 1% for up to £1m. Platinum Plus starts at 0.8%, reducing by 0.05 percentage points per £500,000 threshold to 0.5%. Confirm the charging period.
Scope: Review frequency differs by service. Confirm the complete cost and how higher-asset thresholds apply.
VAT: Confirm VAT treatment in your quote.

Ask the firm: How often is the fee charged, and how often will I receive a full review?

Financial Freedom SoonerScope and source

Read the original charging document (PDF) ↗Charging philosophy PDF, pages 1–2; file labelled June 2025 · Checked 4 October 2026

Plan or initial work: The schedule gives £1,250 below £500,000 of income and investable assets, or £2,500 at the higher level.
Implementation: An additional implementation fee applies. The £300,000 example totals £1,750 for initial planning and implementation; no general tariff is given.
Ongoing advice: £120 or £240 a month by service level, with 0.25% a year on investable assets over £1m at the higher level. Ongoing fees are capped at £6,000 annually.
Scope: The service tier considers assets excluding the home and household income after tax. Confirm how the threshold is calculated.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: How do you combine my income and assets to set the service level?

Financial Planning CorporationScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: An initial review typically costs £2,500–£10,000, agreed as a fixed fee.
Implementation: A separate implementation fee applies. The page says the initial review is offset and refers to a £5,000 minimum; confirm how that minimum operates.
Ongoing advice: An annual review fee is linked to the scale of the investment mandate; the current page does not publish a numerical rate.
Scope: Alternative structures, including retainers, may be agreed. Request a personal quote for the ongoing service.
VAT: VAT may apply where pension, investment or insurance intermediation is not immediately required.

Ask the firm: How does the £5,000 minimum affect my initial and implementation charges?

FinuraScope and source

Read the original fee page ↗Public fee page · Checked 25 October 2026

Plan or initial work: Initial financial planning starts at £2,400, including lifestyle and cashflow modelling.
Implementation: Putting the plan into action, where required, is included in the initial advice fee.
Ongoing advice: 1% a year for portfolios up to £2.5m. The page then lists 0.5% up to £7m and 0.25% above. Confirm how the higher bands apply.
Scope: Platform, custody, fund and discretionary management costs are separate. Its target total cost below 1.5% is not a guaranteed quote.
VAT: Confirm VAT treatment in your quote.

Ask the firm: What is included in my fixed initial fee and complete annual cost?

First WealthScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: £3,000 standard plan, £5,000 intermediate or £7,000 comprehensive. Particularly complex work is quoted separately.
Implementation: An additional 1% of investments or pensions set up, including monthly contributions.
Ongoing advice: Published tiers: 1% up to £2.5m, 0.8% from £2.5m–£5m and 0.3% above £5m. Annual minimum £2,000. Confirm how tier boundaries apply.
Scope: Direct property and cash deposits are excluded from the ongoing fee calculation. Fund, platform and discretionary charges are extra. The page gives differing total-cost examples; request a reconciled quote.
VAT: The firm says intermediary fees are presently VAT exempt; any taxable service will be identified in advance.

Ask the firm: Which planning level and annual tier apply, including the minimum fee?

Fyfe FinancialScope and source

Read the original fee page ↗Public terms of business · Checked 4 October 2026

Plan or initial work: Initial fees are typically £2,500–£7,500; the firm may quote outside that range or waive the fee.
Implementation: No separate general product-based implementation tariff is stated. Annuity recommendations have a £2,500 minimum one-off fee.
Ongoing advice: An annual fee based on planning complexity, normally at least £2,832; the terms allow lower fees in some circumstances.
Scope: The examples show initial fees alongside a recurring annual fee. Additional services are agreed separately.
VAT: The terms say the firm is not VAT registered and does not currently add VAT.

Ask the firm: Which initial tasks and later transactions are included in my agreed fee?

Hargreaves LansdownScope and source

Read the original charging document (PDF) ↗October 2026 document, pages 2–5 · Checked 25 October 2026

Plan or initial work: Financial Planning: 2% of the first £200,000, 1.5% of the next £800,000 and 0% above £1m. Minimum £1,495; cap £16,000.
Implementation: Investment Advice is a different service, priced at 1.5% of the first £1m, with a £995 minimum. Annuity work and defined-benefit transfers can add charges.
Ongoing advice: 0.365% a year on investments under review, plus VAT where applicable.
Scope: Restricted advice. Platform, investment and discretionary management charges are separate from this advice rate.
VAT: The document says VAT can apply; obtain the applicable tax-inclusive quote.

Ask the firm: Is this Financial Planning or Investment Advice, and which extra charges apply?

Herbert & WebsterScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: The written financial plan has a £10,000 fixed fee.
Implementation: The service cards state 0.5% with a £10,000 minimum. The calculator’s displayed example does not apply that minimum consistently.
Ongoing advice: 0.5% a year, subject to a £10,000 annual minimum, paid monthly in arrears.
Scope: The three paid stages are separate. Use the stated service terms and ask the firm to resolve the implementation discrepancy in a written quote.
VAT: The page states its services are not subject to VAT.

Ask the firm: Can you confirm the implementation minimum and the combined first-year charge?

Intellego Financial PlanningScope and source

Read the original fee page ↗Public terms of business · Checked 4 October 2026

Plan or initial work: An optional initial plan typically costs £2,000 before VAT, within a £1,500–£2,500 range.
Implementation: Standard lump sums and transfers: 1.5%, minimum £1,000 and maximum £10,000. Specialist investments have different fees.
Ongoing advice: Accumulation service: 0.85%, minimum £2,000 and maximum £10,000 annually. Retirement and later-life services: 1%, minimum £3,000 and maximum £12,500.
Scope: Some worked examples conflict with the stated minimums or VAT arithmetic. We use the stated rates and limits; request a reconciled quote.
VAT: The standalone plan attracts VAT; other work depends on the service and intermediation.

Ask the firm: Can you confirm the VAT-inclusive plan cost and apply the service minimum in my quote?

Just Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 25 October 2026

Plan or initial work: Typically £500 to £1,500 for the financial planning report, depending on complexity.
Implementation: A tiered percentage fee that includes the planning fee. Its published example is 1.18% on £500,000.
Ongoing advice: Typically 0.50% a year, depending on investment size, strategy and bespoke requirements.
Scope: The example does not establish the rate for every portfolio. The firm says it supplies a bespoke quote. Confirm ongoing costs and VAT treatment.
VAT: Confirm VAT treatment in your quote.

Ask the firm: How much is payable in total, after allowing for the planning fee already paid?

Lawrence ClarkeScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Initial marginal tiers: 2% on the first £100,000, 1% on the next £150,000, 0.75% on the next £250,000, 0.5% on the next £500,000 and 0.1% thereafter within the published range. Cap £12,000.
Implementation: The initial service includes recommendations and putting agreed solutions in place.
Ongoing advice: 1% on the first £500,000, 0.5% on the next £500,000 and 0.15% above £1m; capped at £12,000 annually.
Scope: The worked examples confirm that charges are applied to successive asset bands. These are adviser fees, not the total cost of investing.
VAT: The page says its fees are usually VAT exempt where it acts as an intermediary.

Ask the firm: What investment and platform costs sit outside these capped adviser fees?

Life Planning LimitedScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: A bespoke financial plan is £1,500–£3,000, fixed in advance according to complexity.
Implementation: The page lists a 0%–1% implementation range alongside a £1,000 minimum. It does not explain when the zero rate applies.
Ongoing advice: 0.25%–0.75% annually, or an individually agreed fixed monthly fee.
Scope: Ongoing scope includes portfolio reviews and cashflow planning. Clarify implementation conditions before adding the charges together.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: When does the implementation minimum apply, and what would my total fee be?

Linkage Financial SolutionsScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Advice and implementation require a personal quotation; no amount is given for these stages.
Implementation: Quoted alongside advice.
Ongoing advice: The page gives a typical ongoing range of 0.5%–1.25%, usually 1%, collected monthly. The agreed rate depends on service and complexity.
Scope: The firm reserves the right to quote outside its typical range. Mortgage fees elsewhere on the page are not used here.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: What annual percentage and minimum fee apply to the service you propose?

Lucent Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Plan creation and portfolio analysis cost £4,987.
Implementation: Standard implementation is 1.5% of the amount moved; specialist investments use 2.5%. The page describes a £15,750 cap per investment wrapper and a £27,996 combined cap.
Ongoing advice: 0.85% annually, with a £4,248 minimum and £27,996 maximum. New money can attract £650 plus 1.5%; existing portfolio changes are described as included.
Scope: Initial and ongoing work are separate. Confirm which caps apply to your proposal and their annual inflation adjustment.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: How do the caps and additional-investment charges apply to my accounts?

M&GScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: 3% of the first £50,000; 2.5% of the next £50,000; 2% of the next £150,000; 1.5% of the next £250,000; 1% above £500,000.
Implementation: The published illustration deducts the initial advice charge from the invested lump sum.
Ongoing advice: No numerical ongoing advice fee was found on the reviewed page.
Scope: These bands describe initial advice on lump sums or transfers. Product and investment charges need separate checking.
VAT: Confirm VAT treatment in your quote.

Ask the firm: What would my ongoing advice and total investment costs be?

Mission Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Reports start at £1,800 for simple needs, £2,700 for moderate planning and £4,000 for complex planning.
Implementation: Investment and pension recommendations and implementation cost 1% of gross investment, with a £1,000 minimum where a written recommendation is required.
Ongoing advice: Marginal tiers: 1% to £500,000, 0.5% on the next £500,000 and 0.25% above £1m. Family Office services start at £25,000 a year.
Scope: Service depends on financial complexity and the work agreed. Additional work outside that scope uses separate hourly charges.
VAT: The firm says it will identify any VAT before work begins.

Ask the firm: What is included in my report and which work could attract an additional charge?

Nestbox Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: £1,500–£3,000 for financial planning.
Implementation: A separate £1,000–£2,000 for investment implementation.
Ongoing advice: £200–£500 per month for reviews, planning and support. That is £2,400–£6,000 over 12 months at an unchanged monthly fee.
Scope: The figures illustrate potential costs; the agreed fee depends on individual circumstances. Confirm any product or investment charges separately.
VAT: The firm says it will discuss VAT beforehand if it applies.

Ask the firm: What are the agreed fees for each stage, and which additional costs apply?

Old MillScope and source

Read the original charging document (PDF) ↗Undated fee explanation PDF, pages 1–3 · Checked 4 October 2026

Plan or initial work: Initial advice is £5,000 for assets up to £500,000 or £7,500 up to £750,000, each covering up to four products. Additional products cost £500 each; larger cases need a quote.
Implementation: The described onboarding process includes implementing recommendations. Certain specialist products have their own fees.
Ongoing advice: 1% of funds under advice annually. The Wealth Management service is available where the annual fee exceeds £3,000.
Scope: Ongoing fees exclude advice on new money, products outside the mandate, specific projects and services from other Old Mill teams.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: Which initial work and future projects would fall outside the standard fee?

Paramount Wealth ManagementScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Planning without implementation is a £2,000 fixed fee. Investment advice and implementation have a separate 1% tariff, capped at £5,000.
Implementation: Included in the investment advice tariff; the page presents planning-only as a separate service.
Ongoing advice: 0.75% annually, capped at £7,500 per product.
Scope: Do not treat the per-product cap as a cap across all accounts. Bespoke work is £250 an hour.
VAT: The page states that its services are VAT exempt.

Ask the firm: Is my quote for planning only or investment implementation, and how many product caps apply?

Pensionhelp DirectScope and source

Read the original charging document (PDF) ↗Version 6, December 2025, PDF pages 14 and 16 · Checked 4 October 2026

Plan or initial work: General investment lump sums: 3% on the first £250,000, 2% on the next £750,000 and 1% above £1m, with a £1,200 minimum.
Implementation: The general investment schedule applies where the recommendation is implemented. Pension and safeguarded-benefit advice have separate terms and minimums.
Ongoing advice: 0.75% annually, subject to a £1,000 minimum. Standard implementation charges apply if a review results in new plans.
Scope: This entry uses general investment advice, not the pension transfer schedule. The service includes annual reviews.
VAT: The document describes fees as VAT exempt where the service includes negotiation on financial securities.

Ask the firm: Does my enquiry fall under general investment or pension advice, and what minimum applies?

Polaris WealthScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: A full financial plan is £2,000; focused advice is £895.
Implementation: 1% on the first £500,000 and 0.5% on the next £1m, with no percentage above £1.5m. A £500 minimum is listed; complex work can add up to 1%, capped at £5,000.
Ongoing advice: Wealth Management publishes bands from 0.75% down to 0.06%, minimum £3,000. Asset Management is 0.5%, minimum £500 annually.
Scope: Asset Management excludes the routine annual face-to-face planning meeting. The implementation section calls its minimum annual; clarify the billing basis.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: How are the wealth-management bands applied, and which implementation minimum applies?

Private Capital (UK)Scope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Planning and implementation have a minimum fixed fee of £1,500; complex work costs more by agreement.
Implementation: Included in the combined planning and implementation heading.
Ongoing advice: Typically 0.75% a year, subject to a £1,875 annual minimum. A fixed-fee service is also available where suitable.
Scope: The percentage is based on investment values at each annual anniversary. Confirm investment and platform costs separately.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: Would a fixed or percentage fee apply to my ongoing service?

Purpose Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: The Lifetime Wealth Map is £1,950.
Implementation: Implementation is 1%, minimum £1,000 and maximum £10,000. The worked example adds it to the £1,950 plan: £4,950 in total on £300,000.
Ongoing advice: Service rates are 0.6%, 0.88% or 1%, with respective annual minimums of £1,665, £3,330 and £5,550.
Scope: The lowest-priced service uses remote meetings. Some introductory wording about inclusion is unclear; the worked example explicitly adds plan and implementation fees.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: Is my plan fee additional to implementation, and which ongoing service fits the agreed scope?

PWS Financial ConsultingScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: The standard plan starts at £3,500. One area of complexity is priced at £5,400; multiple complex areas at £7,500.
Implementation: The initial service lists paperwork, provider liaison and fund switches within its scope.
Ongoing advice: For standard clients: 1% on the first £200,000 and 0.5% above. For more complex clients: 1% on the first £500,000 and 0.5% above.
Scope: The detailed ongoing schedule uses asset percentages, despite the introduction referring to fixed ongoing fees. Fund, pension and platform charges are additional.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: Which complexity category applies, and is my annual fee recalculated as assets change?

Pyrford Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Initial advice ranges from £4,000 to £7,500.
Implementation: No additional implementation charge.
Ongoing advice: Annual advice starts from £5,000. This is a starting price, not a quote for every client.
Scope: Platform and investment management costs are additional. The page gives separate ranges for those charges.
VAT: Confirm VAT treatment in your quote.

Ask the firm: What sets my fixed annual fee above the starting price?

Quilter Financial AdvisersScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Initial percentage charges range from 0.25% to 3%; the page says clients typically pay 1.5%–2%. An agreed fixed-fee option is available for some work.
Implementation: The percentage is based on the investment or transfer amount. Obtain the exact work covered in the written quote.
Ongoing advice: 0.6%–1% of the sum invested, depending on the amount. Confirm the annual charge and service level in the Terms of Business.
Scope: These are Quilter Financial Advisers charges, not a tariff for every firm using the Quilter platform. Platform and fund costs are separate.
VAT: Confirm VAT treatment in your quote.

Ask the firm: What exact rate, service and total annual cost apply to my portfolio?

RBC Brewin DolphinScope and source

Read the original charging document (PDF) ↗May 2026 document, page 12 · Checked 25 October 2026

Plan or initial work: No separate numerical initial planning fee is shown in the reviewed Financial Planning only table.
Implementation: Confirm the agreed scope and any initial or product-arrangement charges.
Ongoing advice: 0.85% a year on policies or plans advised on. Its £500,000 example is £4,250 before VAT and £5,100 including VAT.
Scope: Restricted advice. This is the Financial Planning only service; combined wealth management has different charges.
VAT: VAT is applied where required; the source example includes 20% VAT.

Ask the firm: Which service is quoted, and what is the total including VAT and product costs?

Red Circle Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: A full financial plan is £2,250 and includes reviewing one arrangement. Further plan reviews are separately priced.
Implementation: A new plan recommendation and implementation costs £250 per plan; existing plan reviews use a separate menu.
Ongoing advice: Published portfolio bands use 0.8%, 0.7%, 0.6% or 0.5%. Annual minimums are £5,000 for Level 1, £3,000 for Level 2 and £1,200 for Level 3.
Scope: The firm’s £600,000 example applies 0.6% to the whole portfolio before the service minimum. Do not treat the bands as marginal slices.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: What extra plan reviews and service minimum would apply to me?

Smith & Wardle Financial PlanningScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Published planning fees: £2,000, £2,800 or £3,600. Multiple planning needs can increase the charge.
Implementation: Separate published fees: £1,200, £2,000 or £3,000, depending on complexity.
Ongoing advice: Annual review £1,200 a year; structured review £2,100; bespoke service from £3,600, capped at £7,500. Monthly payment options are shown.
Scope: New planning objectives or formal recommendations can incur additional charges. Bespoke service is individually agreed.
VAT: Standalone initial planning may include VAT. The page states no VAT is due on ongoing review fees.

Ask the firm: Which complexity level applies at each stage, and what work would cost extra?

SpentwellScope and source

Read the original fee page ↗Public fee page · Checked 25 October 2026

Plan or initial work: £995 for the plan in its comprehensive service, with a separate 1% implementation fee.
Implementation: The 1% is additional to the £995 planning fee. Ongoing service is separately listed at 1% a year.
Ongoing advice: 1% a year of invested assets for the comprehensive service.
Scope: The page also describes a separate one-off service at £200 an hour with a £2,800 minimum. Confirm which service applies and its VAT treatment.
VAT: Confirm VAT treatment in your quote.

Ask the firm: Am I being quoted for the comprehensive service or the separate one-off service?

St. James's PlaceScope and source

Read the original fee page ↗Rates effective 26 August 2025; page approved 2 April 2026 · Checked 25 October 2026

Plan or initial work: 3% of the first £250,000 invested, 2% of the next £250,000 and 1% above £500,000. The agreed charge can vary.
Implementation: The page says no advice charge applies if the advice does not result in an investment.
Ongoing advice: 0.80% a year of account value for advice, with separate product and fund charges.
Scope: For example, the published pension product charge starts at 0.35%. The 0.80% advice fee is not the total annual cost.
VAT: Confirm tax treatment and any other costs in your quote.

Ask the firm: What will I pay for advice, the product, funds and transactions altogether?

Sterling & LawScope and source

Read the original charging document (PDF) ↗PDF pages 2–3 and 6; file hosted May 2025 · Checked 4 October 2026

Plan or initial work: Lump sums: 2% on the first £250,000, 1% on the next £250,000, 0.5% on the next £500,000 and 0.25% above £1m. Minimum £1,000.
Implementation: Arranging solutions is included in the initial service. Pension transfers have a £1,500 minimum and £15,000 maximum; defined benefit transfers are excluded.
Ongoing advice: Wealth Building tiers: 0.75% / 0.5% / 0.25%. Income Management: 1% / 0.75% / 0.5%, minimum £1,000 annually. Both use successive £250,000, £250,000 and remaining bands.
Scope: Standalone advice, regular contributions and certain extra services use separate charges.
VAT: Advice without arranging a product is priced at £250 plus VAT an hour; confirm other VAT treatment.

Ask the firm: Which ongoing service and any separate advice charges would apply?

Talis IFAScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Planning and recommendations start at £2,000, depending on complexity.
Implementation: Additional marginal fees: 1.5% on the first £250,000, 1% on the next £250,000 and 0.5% above £500,000.
Ongoing advice: Smarter is 0.75% annually; Smartest is 1%. An annual minimum of £1,200 applies.
Scope: Regular savings use different implementation terms. The two ongoing levels offer different support.
VAT: Most services are described as outside VAT; any taxable elements are identified in advance.

Ask the firm: What additional support does the higher ongoing rate include for me?

Taylor HainesScope and source

Read the original charging document (PDF) ↗Costs and charges PDF, pages 1–3; file labelled September 2025 · Checked 4 October 2026

Plan or initial work: For general lump sums: 3% on the first £50,000, 2.5% on the next £50,000 and 2% above £100,000. The document separately lists 4% for new ISAs and 3% for top-ups.
Implementation: The described advice service includes implementation. A standalone financial review is listed at £1,500; confirm any overlap.
Ongoing advice: Exclusive service: 0.75% annually. Classic service: 1%. Their features and typical asset levels differ.
Scope: Regular contributions use different terms. Confirm whether the ISA-specific tariff or general lump-sum tiers apply.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: Which tariff applies to my product, and is any review fee additional?

The Money ClinicScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: Published plans range from £360 for simple start-up needs to £1,500 for full planning. Retirement planning is £900.
Implementation: For new products, 0.5% of funds invested or transferred, minimum £300 and maximum £2,500, in addition to advice.
Ongoing advice: Basic review: 0.3%, £300–£1,500 a year. Financial planning: 0.5%, £800–£3,500. Retirement planning: 0.6%, £1,200–£4,500.
Scope: Each service has different complexity and product limits. Implementation does not apply to simple changes within existing products.
VAT: VAT treatment is not specified for these fees. Ask for a tax-inclusive quote.

Ask the firm: Which service covers my needs, and how are its percentage, minimum and cap applied?

XentumScope and source

Read the original fee page ↗Public fee page · Checked 4 October 2026

Plan or initial work: £3,945 for the WealthPlan strategy.
Implementation: A separate fixed implementation charge applies; the plan fee is deducted in full if Xentum implements it. Request the combined quote.
Ongoing advice: Illustrative annual levels: £1,500, £3,000, £6,000, £9,900 and from £15,000. Complexity determines the agreed level; portfolio size is only a guide.
Scope: Do not select a fee from asset size alone. Platform and investment management charges are additional.
VAT: Confirm VAT treatment in your quote.

Ask the firm: What complexity level applies, and what remains payable after the plan-fee credit?

Three things a headline fee can hide

Whether implementation is extra

Avanti and Spentwell add an implementation charge to the plan price. Betterment and Pyrford include implementation. Just counts the planning fee within its implementation charge.

Compare one-off and ongoing costs over five years →

Which service the rate buys

HL prices Financial Planning and Investment Advice differently. RBC's planning-only fee is different from its combined wealth management service. Compare the scope before comparing the percentage.

Prepare the same brief for each adviser →

The total cost of investing

An ongoing advice rate is only one part of the bill. Ask for advice, platform, fund, product, transaction and tax costs together in a written quote.

See a first-year and annual cost breakdown →

A useful question: If I pay for the plan and then ask you to put it into action, what will I pay altogether in the first year and each year after?

Research review history

We preserve the date of each source check. A fresh check of one entry does not mean every firm has been reviewed again.

25 October 20268 entries rechecked

Rechecked the eight entries used in the annual fee illustrations. Their recorded fee figures still match. Updated the Hargreaves Lansdown document reference to its October edition and added a first-year illustration for two published 0.8% advice rates. The other 42 entries retain their 4 October checks; the minimum-charge count remains the 4 October analysis. This subset does not establish a market-wide price trend.

Betterment Wealth: The £2,495 typical fee still includes implementation. Ongoing tiers of 0.80% and 0.65%, the £22,540 RPI-linked cap and non-standard hourly work still match.
Fidelity Wealth Management: July 2026 PDF, pages 5, 6 and 14 visually checked: 1% initial charge and £10,000 cap, separate safeguarded-benefit terms, 0.65% Annual Financial Review, £100,000 entry balance and VAT notes still match.
Finura: The £2,400 starting fee, implementation inclusion and 1% up-to-£2.5m band still match. Larger-portfolio tiers need confirmation; the stated total-cost aim is not a guarantee.
Hargreaves Lansdown: October 2026 PDF replaces the July edition in our source note. Pages 2 to 5 visually checked; the recorded initial tiers, minimums, £16,000 Financial Planning cap, 0.365% ongoing rate and VAT notes still match. Investment Advice remains a separate service.
Just Financial Planning: The typical £500 to £1,500 plan, inclusive implementation example of 1.18% on £500,000 and typical 0.50% ongoing rate still match. Bespoke quotes can differ.
RBC Brewin Dolphin: May 2026 PDF, planning-only table on page 12 visually checked: 0.85%, or £4,250 before VAT and £5,100 including VAT on £500,000. No numerical initial fee in that table.
Spentwell: The comprehensive service still separates a £995 plan, 1% implementation and 1% ongoing advice. The separate one-off service remains £200 an hour with a £2,800 minimum.
St. James's Place: Initial tiers of 3%, 2% and 1%, plus the 0.80% ongoing advice rate, still match. Product and fund costs remain additional. The page says agreed initial charges can vary.

4 October 202642 entries rechecked

The remaining 42 entries were checked against their linked disclosures, completing a review of all 50 across 3–4 October. We corrected the Chadwicks entry and Christina Clegg digital-service description, and clarified First Wealth’s VAT and total-cost notes. Other recorded figures in this group still match. Older document dates remain visible; this is not evidence of a market-wide fee trend.

Atticus Financial Planning: Fixed initial tasks, annual asset bands and optional percentage service checked. Overlapping boundaries remain flagged.
Avanti Financial Planning: The £750 review and separate £500/£1,000/£2,000 implementation categories still match, including the VAT distinction. No ongoing figure on this page.
Balance: Wealth Planning: PDF pages 5–8: time rates, initial range, fixed monthly range, implementation support and possible VAT checked. The undated document remains identified as such.
Britannic Place: The £2,500 plan offset, maximum 1% initial fee, marginal ongoing bands and £5,000 minimum still match.
Cervello Financial Planning: The £2,800 plan, separate 1% implementation, 1% ongoing or equivalent retainer and £3,000 annual minimum still match.
Chadwicks: Corrected the main-service threshold from £300,000 to the currently published £500,000. Removed the old £3,000 alternative: non-standard work is now quoted, with hourly rates where needed. No effective date for this difference is established.
Christina Clegg Financial Planning Services: Initial tiers and ongoing percentage limits checked against the image tables. Corrected our description of Digital and Transact: the table lists £750 annually for Digital and nil for Transact, rather than individually quoted fixed fees. Their scope differs; nil is not a full-service quote.
Continuum Wealth: PDF page 5 confirms separate planning, investment implementation, plan servicing and investment servicing prices; page 3 identifies VAT disclosure.
Daly, Hoggett & Co.: PDF pages 3–4 confirm the April 2025 hourly rates and 0.5% ongoing charge with extra billing. The dated-rate caveat remains.
East Anglian Financial Planning: PDF pages 6–7 and 9–11 confirm task fees, marginal annual tiers and service-change minimums. These are still the March 2024 document figures.
Empower Partners: The £3,815 minimum ongoing fee and individually scoped first-year and later-year work still match.
Engage Financial Services: The £995–£9,995 plan and ongoing fees from £3,120 still match. The conflicting no-initial-charges headline remains flagged.
Fiducia Wealth Management: Planning starting prices, separate implementation cap and the three ongoing service descriptions still match. Charging period and higher thresholds need a quote.
Financial Freedom Sooner: Both PDF pages checked: initial levels, monthly fees, over-£1m supplement, £6,000 annual cap and the £300,000 initial example still match.
Financial Planning Corporation: Initial review range, implementation offset wording and £5,000 minimum still match. No numerical ongoing rate on this page.
First Wealth: Plan levels, 1% implementation, ongoing bands and £2,000 annual minimum still match. Added the published VAT qualification and flagged differing total-investment-cost examples on the source page.
Fyfe Financial: Initial range, £2,832 usual annual minimum, annuity exception and current non-registration for VAT still match.
Herbert & Webster: The £10,000 plan, 0.5% implementation and ongoing minimums still match. The calculator still shows an implementation example below the stated minimum; the warning is retained.
Intellego Financial Planning: Optional planning range, implementation rates and limits, and all ongoing service minimums/caps still match. Conflicting VAT arithmetic and example minimums remain flagged.
Lawrence Clarke: Initial and ongoing marginal tiers, worked examples and £12,000 caps still match; implementation is included.
Life Planning Limited: Planning range, implementation range and minimum, and percentage or fixed ongoing options still match. Zero-rate conditions remain unclear.
Linkage Financial Solutions: Ongoing typical range and usual rate still match; initial work needs a quote. Mortgage charges are excluded from this record.
Lucent Financial Planning: Plan, standard/specialist implementation, ongoing rate and limits, and extra-new-money charges still match. Cap scope needs the personal quote.
M&G: Lump-sum marginal tiers and the £300,000 worked example still match. No numerical ongoing advice charge on the reviewed page.
Mission Financial Planning: Planning levels, separate implementation and minimum, marginal ongoing bands, Family Office starting fee and extra-work terms still match.
Nestbox Financial Planning: All three separate fixed-fee stages still match, including £200–£500 monthly ongoing support and possible VAT.
Old Mill: PDF pages 1–3 confirm initial asset/product thresholds, included implementation, ongoing rate, eligibility and exclusions.
Paramount Wealth Management: Planning-only and investment-service tariffs, annual per-product cap, hourly work and VAT statement still match.
Pensionhelp Direct: PDF pages 14 and 16 confirm general-investment tiers, initial minimum and ongoing percentage/minimum. These remain distinct from the pension schedules.
Polaris Wealth: Planning prices, marginal implementation schedule, wealth/asset service rates and minimums still match. Ambiguous implementation minimum wording remains flagged.
Private Capital (UK): Combined initial service from £1,500, typical 0.75% annual rate, £1,875 minimum and fixed option still match.
Purpose Financial Planning: The plan and additive implementation example, limits and all three ongoing rates/minimums still match. Conflicting inclusion wording remains flagged.
PWS Financial Consulting: Planning complexity fees and ongoing percentage tiers still match. The introductory fixed-fee wording remains inconsistent with the detailed ongoing schedule.
Pyrford Financial Planning: Initial range, included implementation, ongoing starting price and separate investment costs still match.
Quilter Financial Advisers: Initial range, typical range, fixed-fee option and ongoing range still match. This record is specific to Quilter Financial Advisers.
Red Circle Financial Planning: Initial menu and examples, whole-portfolio ongoing bands and three service minimums still match.
Smith & Wardle Financial Planning: Planning and separate implementation levels, monthly/annual ongoing prices, bespoke cap and VAT notes still match.
Sterling & Law: PDF pages 2–3 and 6 confirm initial tiers, pension-transfer exception, standalone VAT and two marginal ongoing schedules.
Talis IFA: Planning starting fee, implementation marginal tiers, two annual service rates and £1,200 minimum still match.
Taylor Haines: Public PDF text, pages 1–3, confirms lump-sum tiers, ISA exception, financial review and two ongoing rates. Direct retrieval failed certificate validation; the public web reader retrieved the document. Certificate checks were not disabled.
The Money Clinic: Plan menu, separate implementation percentage and limits, and the three ongoing service minimums/caps still match.
Xentum: WealthPlan price, implementation credit and five illustrative annual levels still match. Complexity, not assets alone, determines the agreed fee.

3 October 20268 entries rechecked

The eight firm entries used in our ongoing-fee illustrations were checked against their linked disclosures. Their recorded fee figures still match; no price changes were identified in this subset. The other 42 entries retain their earlier source-check dates.

Betterment Wealth: Typical planning fee, included implementation, ongoing tiers and RPI-linked cap still match the recorded entry.
Fidelity Wealth Management: Initial and safeguarded-benefit fees, Annual Financial Review rate, entry balance and VAT treatment checked in pages 5, 6 and 14.
Finura: Initial fee, implementation inclusion and ongoing bands still match. The larger-portfolio bands still require confirmation in a personal quote.
Hargreaves Lansdown: Financial Planning and Investment Advice remain distinct. Initial tiers, minimums and ongoing rate checked in pages 2 to 5, including VAT notes.
Just Financial Planning: Planning fee, implementation example and typical ongoing rate still match. The typical rate is not a quote for every client.
RBC Brewin Dolphin: The planning-only table on page 12 still shows 0.85%, with the same tax-exclusive and tax-inclusive illustration.
Spentwell: The comprehensive plan, separate implementation and ongoing charges still match. The separate one-off service retains its own minimum.
St. James's Place: Initial tiers and advice-only ongoing rate still match. Product and fund charges remain separate.

How we checked the information

This comparison was expanded to 50 firms on 15 September 2026. Each entry shows when its linked source was reviewed. We recorded initial fees, implementation, ongoing advice rates, minimums or caps where stated, and conditions that affect interpretation. We inspected the relevant PDF fee tables and tables published as images as well as their extracted text.

This is a deliberately selected sample of accessible UK fee disclosures, chosen to show different charging structures. It is not a representative survey and does not establish a market average, the cheapest firm or the quality of advice. We did not request personal quotes or verify current client availability.

Some firms publish dated documents or inconsistent examples. We identify material gaps and discrepancies in the firm notes and do not silently turn them into a price. The ongoing fee filter describes the services in this comparison; it does not classify every service a firm offers. A combination can include a fixed or time-based charge alongside an asset percentage.

The pounds examples multiply the selected constant asset value by the published annual rate. They do not model investment returns, cash flows or monthly deductions. Betterment's examples stay within its first £1m tier; Finura's stay within its up-to-£2.5m band; Just's use a stated typical rate. Nestbox's annual equivalents multiply its monthly prices by 12. We do not fill gaps with estimates or assume an unclear charge is zero.

The observations and calculations are Advisedly's work; the fee disclosures belong to the named firms. Firm names identify the sources. They do not imply partnership, endorsement or a route to book that firm through Advisedly. This page provides general educational information, not personal financial advice.

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