Pricing & Value
Our initial advisory fees are fixed. This offers you complete peace of mind over the fees before you engage with us. And if things take a little longer than expected, we cover the difference. You will always be provided with a personalised scope of work and fee agreement prior to engagement, and we will only ever begin work with your written consent.
Your situation will fit into one of 3 categories - we will advise which, after the Discovery Meeting process, so you know exactly where you stand before incurring any fees.
Simple
£1,950
You may have one or two existing plans, or perhaps a single lump sum you’d like to allocate towards your future financial goals. We’ll help you understand where you stand today and how best to make that money work for you. This category is perfect for those seeking straightforward, focused financial clarity without unnecessary complexity.
Standard
£2,950
With a standard approach you’re likely to have a few more existing plans and/or be seeking to invest further capital towards achieving your future financial goals. You may have the added complexity of running a business or being a high earner, and wish to model a few alternative paths for your future. Using our ‘future financial mapping’ software, we’ll help you explore your options and guide you towards the most effective long-term strategy.
Bespoke
£3,950
Taking a bespoke approach is suited to clients with a more complex financial landscape and bigger questions to answer. You may have multiple pensions, ISAs, or investments, or wish to explore intergenerational wealth strategies to cascade family wealth. Together, we’ll model a range of ‘what if I did…’ scenarios using our ‘future financial mapping’ software to give you clarity, confidence, and control over your wider financial picture.
Unanimously; the clients we work with value the benefit of an ongoing relationship with us. A lifestyle financial plan is a constantly evolving picture that requires regular adjustments and refinements. When you work with us on an ongoing basis you will face 3 different fees (investment platform fees, fund management fees, and professional advisory fees). The levels of each of these will depend upon the values and numbers involved, and of course on the ultimate strategies recommended. In totality, at the lower end on the wealth spectrum, these fees are unlikely to exceed 1.5% p.a., and at the higher end of the wealth spectrum of the clients we work with total fees can be as low as 1.1% p.a. Please see these figures as indicative, and not binding.
Independent research from the 2024 NextWealth survey places the average total ongoing investment fees for advised clients at 1.89%.
We know that we’re not the cheapest, but nevertheless our pricing is very competitively positioned when compared with others. Ultimately, if you value an approach that places you and your best interests at the heart, then we’d love to speak to see if we’d be a good fit for one another.
Who I help
Tailored advice for your life, your goals, your circumstances
Young Professionals & Growing Families
Planning for the future while managing life’s daily demands? Financial clarity starts here.
Retirement Planners
Approaching retirement with questions? Find out where you stand and what’s possible.
Childcare & Nursery Business Owners
Balancing business and personal finances? Get clear, structured advice with both in mind, from the only IFA in the country who has walked in your shoes.
Property Investors
Owning property is only part of the picture. Align your portfolio with long-term goals.
“Toby was outstanding in being personable, professional, supportive and inspiring confidence in someone who struggles with anything financially related. He comes across as a very likeable, decent human being who genuinely cares about what he does for a living and helping clients in addition. I wouldn’t just happily recommend him, I would actively encourage anyone needing financial advice to seek him out.”
— Ms N. Sept 2024
“Toby provided a grounded, realistic and data driven analysis of my current financial position and potential future prospects. He is innovative without being cavalier, which gives me confidence my assets are not going to stagnate, nor am I exposed to unacceptable risk. Trust is a huge factor when it comes to managing my lifetime accrued assets, and I find great comfort having Toby as my adviser. I can’t thank Toby enough.”
— Mr C. May 2024
“In our lengthy and stimulating meetings with Toby it became obvious from the start that he is utterly passionate about customer satisfaction and professionalism; his goal is to support you in achieving your objectives. He gave my wife and I full confidence that he is up to date and expert in the vast array of aspects which influence our situation as a newly retired couple with a convoluted set of objectives and modest pensions and assets.”
— Mr & Mrs H. Apr 2024