There are two options:

Fee payment option Investment type / Service Fee amount
1. A percentage of the investment or transfer amount Investing or transferring a sum of money
  • A typical investment of £250,000 or above would pay a fee at 1%.

2. An agreed fixed fee

In some circumstances it will be appropriate to charge a fixed fee for our advice and the work involved to prepare a recommendation or review report
  • Fees, scope of work and desired output will be agreed upfront.*

For new clients, these fees are subject to the overall recommendation meeting the minimum advice fee of £750. There is no minimum for existing clients where the investment is set up on our wealth planning and review service.

* This fee depends on the complexity of the work involved, typically relating to activity which is not intended to result in the implementation of a product solution.

Any recommendations that involve the transfer of a defined benefit pension will be subject to a minimum charge of £4,000, the first £1,000 of which is payable upfront regardless of whether a transfer proceeds.

Our initial fees under fee payment option 1 are on a stepped basis where the investment is set up on our wealth planning and review service. The starting point of the stepped rate will take account of capital invested to date through Quilter Private Client Advisers, by you and all of your family members. A family member includes a person’s spouse, parents, children, grandparents and grandchildren, whether connected by birth, adoption, guardianship, marriage, civil partnership or cohabitation.

Ongoing fees

Our ongoing fee is dependent on your circumstances and needs, we will discuss this with you along with your other fees at your initial meeting. Our wealth planning and review service includes the opportunity to review of your needs, objectives and planning solutions at least once a year. At a review, we will cover:

  • assessment and update of your personal circumstances
  • review of your goals and objectives, including income and growth requirements
  • reassessment of your attitude to investment risk/return and market sectors (asset allocation)
  • review of investment performance and holdings
  • valuations, policy information and investment commentary
  • review of your personal tax position, including income tax, capital gains tax and inheritance tax
  • reassessment of your affordability, budgets and costs
  • assessment of the ongoing suitability of your existing arrangements
  • cash flow forecast, where appropriate
  • reassessment of your levels of protection
  • information regarding regulatory and legislation changes
  • recommendations in order to keep your new/existing plans in line with your objectives.

Take the next step

We all want a plan in place for our financial future. Let us take care of that for you.

Costs and charges

It’s important for us to be transparent about how much our services cost. At your initial consultation, we will give you a clear explanation of how much you will pay, what service you are paying for, how we’ve calculated the fees, and when you need to pay.

Insurance advice costs

Insurance advice covers Life assurance, Critical illness, Income protection, Accident, sickness, unemployment, Home insurance and Private medical insurance.

Mortgage advice costs

Mortgage advice covers everything from residential mortgages, to consumer buy-to-let and business buy-to-let mortgages.