What you'll pay - and exactly what you get
Transparent, FCA-compliant fees agreed in writing before any work begins. No hidden charges, no surprises.
One of the first questions people ask is: how much does financial advice actually cost? It is a reasonable question, and one that deserves a straight answer. The fees below are taken directly from the Fintuity Private Wealth Client Fee Agreement - the document every client signs before work begins. No VAT is applicable or chargeable on any of these services (except Financial Wellbeing Reviews).
The initial 20-minute discovery call is completely free and without obligation. Fees for any further work are confirmed in writing and must be agreed before any chargeable activity begins.
Fees by service area
All fees are set by Fintuity Private Wealth and disclosed in your Client Fee Agreement before work begins.
Investment & Pension Advice
Up to 3%
of gross value invested or reviewed · minimum £500
Covers the full initial advice process - review of your circumstances, market research, a written suitability report, and implementation. Our fee for regular contribution arrangements is a flat £500.
Example
You invest £10,000 into a pension and have £20,000 in existing pensions to review. The fee would be 3% of £10,000 plus 3% of £20,000 = £900.
Ongoing Advice Service
Up to 1%
per year of total investment value · minimum £250/year
Includes portfolio monitoring, at least one annual review meeting (face-to-face for Fintuity Private Wealth clients), an annual review letter, and availability for ad hoc queries throughout the year. Charged monthly from your plan. Fully optional - you can cancel in writing at any time.
Example
Investments worth £100,000: the annual cost would be up to £1,000, paid as approximately £83/month from your plan.
Protection Advice
No fee
commission received from insurer - fully disclosed
When arranging life insurance, critical illness cover, income protection or other protection products, we receive a commission from the insurer, funded from part of your premium. This is always clearly disclosed in the product illustration before you proceed - you pay nothing directly to us.
Inheritance Tax Planning
£2,500
initial holistic IHT review - then 1% if investment recommended
The £2,500 initial fee covers a comprehensive review of your inheritance tax position, including analysis of trusts, protection options and gifting strategies. If we subsequently recommend and implement an investment as part of your IHT plan, we charge 1% of the gross amount invested.
Example
IHT review (£2,500) + investment of £100,000 into a trust: additional fee of £1,000 (1% of £100,000).
Ad Hoc & Specialist Work
Fixed fee
agreed in writing before any work begins
For work that falls outside the standard fee structure - such as pension annual allowance calculations, or other specialist work — a bespoke fixed fee is agreed and documented before any work is carried out.
Example
An annual allowance calculation may attract a fixed fee of between £1,000 and £2,000, depending on complexity.
Convenient, tax-efficient, flexible
Where possible, initial and ongoing fees are deducted directly from the recommended product - this is often more tax-efficient than paying by separate invoice, and means you do not have to transfer funds separately. Where this is not possible (for example, for mortgage or ad hoc work), fees are payable by bank transfer, debit or credit card, or direct debit.
Ongoing advice fees are calculated and paid monthly, so they rise and fall in line with your portfolio value. You can cancel the ongoing service at any time by notifying us in writing.
If you commission ad hoc work without an ongoing service in place, that fee must be settled before implementation of any recommendation. The initial invoice for other services must be paid within 15 calendar days of receipt.
Report fee - if you choose not to proceed
If we carry out our full research and analysis and present you with a suitability report, and you then choose not to proceed with our recommendations, a £500 report fee is payable. This covers the work done on your behalf. This applies to investment and pension advice cases.
Is good advice worth the cost?
Research consistently shows that people who receive regulated financial advice accumulate significantly more wealth over time than those who do not - accounting for fees. International Longevity Centre research suggests advised individuals build, on average, around 50% more in liquid and pension assets than unadvised individuals over a ten-year period.
That is before considering the less measurable benefits: the confidence of knowing your plan is sound, protection that pays out when you need it, tax you do not overpay, and inheritance tax that is reduced or eliminated entirely.
The real question is not whether advice costs something - it does. The question is what the cost of not getting advice is.
Start with a free 20-minute call
No fee, no commitment. We will talk through your situation, explain how advice works, and agree whether we are a good fit before any work begins.