Clear costs. No surprises.
Retirement Planning · Planning phase
A blended, transparent rate.
- Discovery meeting
- £500, up to 90 minutes, on Zoom
- Planning phase (one-off)
- from £5,918
- Ongoing
- 1% / 0.45% adviser fee · about 0.95% all-in on £3m
Charged on time at a blended rate of £394.50/hr: straightforward cases from £5,918, moderate complexity £11,835–£19,725, high complexity from £19,725.
The Retirement Planning planning phase is calculated on a time-cost basis using the following blended hourly rates, reflecting the seniority of those involved:
Partner
£575/hr
50% of time
Associate
£300/hr
30% of time
Admin
£85/hr
20% of time
Blended rate: £394.50/hr (£575 × 50% + £300 × 30% + £85 × 20%)
The upper end of high complexity assumes up to 200 hours for multi-jurisdictional or ultra-high-net-worth cases.
NB: For context — estate planning advice alone can save a family six figures in inheritance tax, paying for the entire Architecture Phase many times over. Separately, clients moving from a traditional adviser or SJP-style structure often recover the full Architecture fee in year one from investment management cost savings alone.
Because our advice leads to the arrangement of financial products (financial intermediation), our fees are not subject to VAT. If we ever agree a standalone engagement where VAT applies, we will tell you in writing before any work begins.
Already a client?
Adding to an existing strategy costs nothing.
We charge no fee for you to invest or save more into the plan we have already advised on. A new product or strategy is a project, quoted on time and complexity before we begin.
Typical examples: a new ISA (asset allocation, the right tax wrapper and funds) — about two hours, around £1,000; a new SIPP — about five hours, around £2,500; an offshore bond with a trust — about ten hours, around £5,000. Project work is usually partner-led, so effective rates sit above the blended planning rate.
New wills and trusts are quoted as separate projects; a fixed-fee estate planning menu is available on request.
Transparency
How our ongoing partnership fee works.
Retirement Planning: an adviser fee of 1% on the first £1m and 0.45% thereafter, plus platform, DFM and fund costs. All-in, that is about 0.95% a year on a £3m portfolio, and the percentage falls as your portfolio grows.
What's Included
- Annual comprehensive wealth review
- Unlimited adviser access throughout the year
- Comprehensive financial planning
- Investment management & rebalancing
- Tax-efficient structuring
- Retirement planning
- Essential estate planning
- Access to institutional fund managers (Dimensional, BlackRock)
- Family governance facilitation
- Ongoing portfolio monitoring
- Platform & custody costs
What You'll Never Pay
- Investment commissions
- Exit fees or transfer penalties
- Fees for selling our own proprietary funds (we have none)
- Commission-based "free" advice (where you become the product)
Total fee table · Retirement Planning
| Portfolio | Adviser fee | All-in ongoing cost | All-in cost per year |
|---|---|---|---|
| £1m | £10,000 | 1.39% | £13,900 |
| £3m | £19,000 | 0.95% | £28,500 |
| £5m | £28,000 | 0.84% | £42,000 |
| £10m | £50,500 | 0.78% | £78,000 |
All-in cost includes the adviser fee plus platform, DFM and fund costs. Illustrative; your costs depend on your circumstances and investments.
Regulatory Note: We do not receive commissions on investment products. Where appropriate for client protection needs, we may receive disclosed commissions on insurance products (life insurance, protection policies). All commissions are disclosed transparently in advance of any recommendation.
Managed Family Office
Investment & Fee Structure.
fixed annual fee, agreed in advance; not a percentage of wealth
Building your own family office costs an average of US$3m a year to run, and US$0.9m even for the smallest (J.P. Morgan Private Bank, 2026 Global Family Office Report).
Next step
Let's start with a conversation.
A free, no-obligation call to understand where you are, what you want next, and whether we're the right people to help.
No products. No pressure. Around 30 minutes.