Fixed-fee financial advice
in Norwich
Understand the cost before work begins. Our Norwich fees reflect the planning value, complexity and time involved - not simply the amount you have invested.
Fixed fee financial advice, priced fairly
You should know what you are paying, what the fee covers and how it has been calculated before any work begins.
Your Financial MasterPlan is quoted as a fixed fee based on the planning involved. If you continue with us, your ongoing fee reflects the service, complexity and support you need. For smaller portfolios, a percentage charge can sometimes cost less, and we will explain the options clearly.
Our first meeting is at our expense. It gives us a chance to understand what you need and explain how we can help, before you decide whether to go ahead.
A fairer way to charge
Fees based on advice, not portfolio size
Unlike percentage-based charging, our fees are linked to the service you receive and the complexity of your circumstances, rather than automatically increasing as your investments grow.
Transparent Pricing
Simple, clear fees
Start with a plan for your future, then choose the ongoing support you need. We agree the scope and fee with you before work begins.
Financial MasterPlan
A full plan written around your life - the document that shows you where you are heading and how you get there.
- Full financial analysis
- Detailed cashflow modelling
- Tax-efficient structuring
- Investment strategy
- Clear action plan
Ongoing Service
Regular reviews help keep your plan on track as your life changes. Your annual fee falls within one of the bands below, based on the value added, complexity and time required.
For those with smaller portfolios, percentage fees can work out cheaper. If that applies in your case, you will have that option.
See how the charging models can diverge
A percentage fee grows as your portfolio grows. This video shows how that can affect what you pay over time, compared with a fixed ongoing advice fee.
Why Norwich clients value fee clarity
No surprises
You receive and agree the fee before work starts, so the scope and cost are clear from the outset.
Aligned interests
Charging for the advice and service provided keeps the conversation focused on what your plan needs.
Save significantly
Over a long planning life, a fixed fee can cost substantially less than a percentage charge.
Fair for everyone
Fees reflect value added, complexity and time rather than applying the same percentage to every pound invested.
Illustrative comparison of ongoing advice fees
Fixed fees vs percentage fees
How fixed and percentage-based ongoing advice fees can differ over time while your investments remain under advice.
This illustration compares ongoing advice fees only. It excludes Financial MasterPlan fees, implementation costs, platform charges and underlying fund charges.
*Ongoing advice-fee illustration from the comparison video only. It assumes £500,000 remains invested for 25 years and grows by 3% a year above inflation. Both ongoing fee options start at £3,750: the percentage fee is 0.75% and rises with the portfolio, while the fixed fee increases in line with the assumed UK long-term inflation target. Financial MasterPlan, implementation, platform and underlying fund charges are excluded. This is not a forecast or a statement of the fee that will apply to you.
Frequently asked questions
Why do you use fixed fees rather than percentages?
Most UK financial advisers and wealth managers charge a percentage of the assets they advise on. We believe the fee should instead reflect the service delivered, the value added, the complexity involved and the time required. For most clients that makes a fixed fee the better fit, although a percentage option remains available where it is cheaper for a smaller portfolio.
What does the Financial MasterPlan fee cover?
Your MasterPlan starts with a full review of where you stand today, then builds out cashflow modelling, tax-efficient structuring, an investment strategy, retirement projections and a plain-English list of next steps. Think of it as the whole picture in one document.
How much could I save with fixed fees?
The illustration in our video starts with £500,000 invested for 25 years and assumes growth of 3% a year above inflation. Both options start at £3,750: the percentage fee is 0.75% and rises with the portfolio, while the fixed fee rises with the UK long-term inflation target. On those assumptions, the fixed-fee client finishes with around £40,000 more. This is an illustration, not a forecast; we will show you the figures for your own situation. Financial MasterPlan, implementation, platform and underlying fund charges are excluded. This is not a statement of the fee that will apply to you.
When might percentage fees be cheaper?
They sometimes are where a portfolio is smaller. If that is true in your case, we will say so plainly and give you the choice rather than steer you towards the option that suits us.
Is there a charge for the first meeting?
None at all - we cover it. That conversation is there so we can hear about your circumstances and what you want from life, and so both of us can judge whether our help is genuinely worth having before anything is agreed.
What decides which price band applies to me?
Three things: the value we expect to add, how involved your affairs are, and the time your plan will take to run properly each year. We talk it through openly and settle the figure in writing before we start.
Understanding the full cost
Your Financial MasterPlan, implementation and ongoing advice are priced separately. If you ask us to put your plan into action, implementation starts from £2,000.
Platform charges and underlying fund charges are additional to our advice fees. We disclose these before implementation, so you can see the full cost before proceeding.
For an explanation of what happens at each stage, see our advice process.
Start with the question that is on your mind
You do not need to arrive with everything organised. Tell us what has changed, what feels uncertain or what you want life to look like next. We will explain whether our Norwich team can help and what the next step would involve.
