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.
“I’ve had the pleasure of knowing Toby over many years now and can say without hesitation that he is one of the most caring and diligent professionals I know.
What sets him apart is not just his expertise, but the way he takes the time to truly understand and support those he works with. I trust him implicitly — both in terms of his technical judgement and his integrity. He’s someone I would happily recommend to anyone looking for a trusted and compassionate professional.”
— Mr W. Oct 2025
“Toby has provided advice and options based on our specific requirements. He provides a comprehensive overview of where we are financially, based on information we have provided and then discusses all of our options going forward to ensure that we are able to meet our financial goals. I like the way Toby listens to what we have to say, explains everything in layman's terms, provides options and allow us to make the decision on what is achievable.”
— Ms C. March 2026
“I’ve known Toby professionally for quite some time, and I can honestly say he’s one of the best. He genuinely cares about what he does, and it shows. There’s real heart and passion behind his work, backed up by skill and experience. The people who he works with are lucky to have someone like him on their side. If you’re thinking about reaching out, don’t hesitate, you’ll be in very good hands.”
— Mr H. 2025