Independent financial advice

Advice about your money, paid for by you and nobody else.

Retirement, pensions, investments and cover. A fixed fee for the plan, a capped fee if you want us to look after it, and no commission from anyone, ever.

Book a first meetingHow we charge
An older couple going through documents together on a sofa at home
Most first meetings look like this: a sofa, a pile of statements, and a question about when.
Where people come to us

Four stages, and the question each one brings.

Most clients arrive at the third step. It is never too early, and it is rarely too late.

30s and 40s

Building

Workplace pensions, ISAs, and cover for the mortgage and the children.

Late 40s

Sorting

Five old pensions into one, and a straight answer about whether you are on track.

50s

Planning to stop

When you can afford to, how much you can take, and the order to take it in.

60s and on

Drawing an income

An income that lasts, tax kept low, and the estate left the way you want it.

How we charge

Three figures, written down before we start.

You pay us, and only us. That is what independent means, and it is the reason the advice is worth having.

$1,200The planA fixed fee for the advice, the written recommendation and setting it all up.
0.5%Looking after itA year, if you want ongoing advice. Capped at $3,000, stoppable with a month’s notice.
$0CommissionFrom any provider, on any product, ever. If a product pays one, it is refunded to you.
A man reading a document at a kitchen table with a cup of coffee
First meeting

Bring the statements. The first hour is ours.

At your kitchen table or ours. You leave with a plain view of where you stand and what advice would cost, in writing.

Book a first meeting