Services & Fees
Comprehensive wealth management built around your life, not products. Complete transparency in everything we do.
Designed for Complex Financial Lives
Quantum is designed for families with complex financial lives — typically involving business ownership, multi-generational wealth, property, cross-border interests or liquidity events.
Most families we work with have:
- £1m+ in investable assets
- Business or entrepreneurial income
- Estate, tax or succession complexity
- A desire for long-term clarity, not short-term tactics
"If this does not reflect your circumstances, we may not be the right firm for you."
We're likely NOT the right fit if you:
- •Need only product sales or one-off advice
- •Prefer to manage your own investments without guidance
- •Are looking primarily for market timing or stock tips
- •Want a purely transactional relationship
- •Have under £1m in investable assets
We're selective about who we work with—not out of exclusivity, but to ensure we can genuinely add value. If we're not the right fit, we'll tell you honestly and point you in a better direction.
The Three Mountains of True Wealth
We believe real wealth is not just measured in numbers. It is built at the intersection of three distinct but inseparable dimensions.
Money
Capital, tax, structures, investments and financial resilience.
Mindset
Decision-making, behaviour, discipline and emotional clarity around wealth.
Meaning
Family, purpose, legacy and the impact of wealth across generations.
"Enduring wealth only exists where all three mountains align."
Architecture Before Assets
Before we ever discuss products or portfolios, we design the full architecture of your financial world.
This typically includes:
- Strategic financial and tax planning
- Investment oversight and long-term portfolio governance
- Risk management and insurance strategy
- Estate, succession and capacity planning
- Family governance and inter-generational structuring
"Only once the architecture is sound do we then implement the assets within it."
One Private Wealth Service. Scaled by Complexity.
We do not operate product menus or fragmented service tiers.
Every client receives comprehensive private wealth planning covering:
"The only difference is depth of complexity, not philosophy."
How We Compare to Major UK Wealth Managers
Many established wealth management firms charge significantly more than Quantum—often with hidden fees and initial charges you won't discover until it's too late.
Let's compare the total annual cost of wealth management across major UK providers. This includes adviser fees, platform costs, and fund charges—the "all-in" cost you actually pay.
Total Annual Cost Comparison — Industry Assessment (March 2023)
Sources: FCA platform comparison data (2023), St. James Place fee disclosure (March 2023), industry benchmarking studies. Figures include adviser fees, platform charges, and fund costs.
What Many Wealth Managers Don't Tell You: Initial Charges
Beyond ongoing fees, many traditional wealth managers charge substantial upfront fees when you invest. These "initial advice charges" are often buried in documentation.
Example: St. James Place Initial Charges
Fee Structure
| Investment Amount | Initial Charge | Fee to Partner |
|---|---|---|
| First £250k | 3.0% | 2.0% |
| Next £250k | 2.0% | 1.33% |
| Over £500k | 1.0% | 0.66% |
£400,000 Investment at SJP:
- 3% on first £250,000 = £7,500
- 2% on next £150,000 = £3,000
Total initial charge: £10,500 (2.63%)
Plus ongoing fees: 2.2% per year
Year 1 total cost: £10,500 + £8,800 = £19,300 (4.83%)
Quantum charges ZERO initial fees. Your entire investment goes to work immediately.
What This Means for Your Wealth
Let's compare what you'd actually pay over 10 years with different providers, using real portfolio sizes.
£3,000,000 Portfolio
| Provider | Year 1 Cost | Ongoing Annual | 10-Year Total |
|---|---|---|---|
| Quantum | £40,500 | £40,500 | £405,000 |
| Traditional IFA | £78,900* | £72,000 | £726,900 |
| St. James Place (avg) | £96,600* | £66,000 | £690,600 |
Your savings with Quantum:
vs Traditional IFA: £321,900 over 10 years
vs SJP: £285,600 over 10 years
£5,000,000 Portfolio
| Provider | Year 1 Cost | Ongoing Annual | 10-Year Total |
|---|---|---|---|
| Quantum | £67,500 | £67,500 | £675,000 |
| Traditional IFA | £131,500* | £120,000 | £1,211,500 |
| St. James Place (avg) | £161,000* | £110,000 | £1,151,000 |
Your savings with Quantum:
vs Traditional IFA: £536,500 over 10 years
vs SJP: £476,000 over 10 years
£10,000,000 Portfolio
| Provider | Year 1 Cost | Ongoing Annual | 10-Year Total |
|---|---|---|---|
| Quantum | £135,000 | £135,000 | £1,350,000 |
| Traditional IFA | £263,000* | £240,000 | £2,423,000 |
| St. James Place (avg) | £322,000* | £220,000 | £2,302,000 |
Your savings with Quantum:
vs Traditional IFA: £1,073,000 over 10 years
vs SJP: £952,000 over 10 years
*Assumptions: Quantum all-in cost 1.35% (1% adviser + 0.35% platform/funds), Traditional IFA 2.4% ongoing + 2.63% initial, SJP 2.2% ongoing + 3.22% weighted initial charge. No investment growth assumed (conservative). Actual savings may be higher if portfolios grow.
"The £1 Million Question"
With a £10m portfolio, you could save nearly £1 million in fees over 10 years by choosing Quantum over a traditional wealth manager.
What would you do with an extra £1 million?
More Comprehensive Service. Lower Cost.
It's not just about lower fees—it's about getting more value for less cost.
What You Get at Quantum
- 1.35% all-in cost
- Zero initial charges
- Institutional fund access (Dimensional)
- Comprehensive tax planning included
- Estate & succession planning included
- Zero product commissions
- Complete fee transparency
- Unlimited planning meetings
- Family governance support
- Cross-border planning (Advanced/Legacy)
What You Get at Most Competitors
- 2.2-3.2% all-in cost
- 1-3% upfront fees
- Retail funds (higher costs, lower expected returns)
- ⚠Tax planning often charged separately
- ⚠Estate planning often charged separately
- Hidden commissions on insurance, funds
- Fees buried in fine print
- ⚠Often per-meeting fees
- Family governance rarely included
- Cross-border planning as premium extra
"We deliberately structured our business to provide institutional-grade service without institutional-grade pricing. Lower costs. Better service. No conflicts."
How Can We Offer More for Less?
It's a fair question. If we're providing comprehensive service at half the cost of St. James Place, what's the catch?
There's no catch. We've simply designed our business differently:
No Salesforce Commission Structure
Large wealth managers pay substantial commissions to their partner network (SJP pays 1.33-2% to partners on initial investments). We have no multi-tier commission structure—you work directly with senior advisers.
No Proprietary Products
Some firms create their own funds and insurance products, adding layers of cost. We use best-in-class external managers (Dimensional, Vanguard, BlackRock) with institutional pricing.
Technology-Enabled Efficiency
We use modern platforms (Transact) and portfolio management technology that reduce administrative overhead, allowing us to pass savings to clients.
Focused Business Model
We work exclusively with £1m+ families with complex needs. We don't spend resources marketing to mass-market clients or running high-street branches. This efficiency means lower costs for you.
"Lower fees don't mean lower quality. They mean smarter business design."
"But I've Already Invested with [Other Provider]—Won't Switching Be Expensive?"
Fair concern. Here's the reality:
If you're with a high-cost provider, the cost of switching is usually ZERO—and you'll save money immediately.
Example scenario:
Current situation: £5m with St. James Place
- • Paying £110,000/year in ongoing fees (2.2%)
- • Already paid ~£161,000 in initial charges (sunk cost)
Switching to Quantum:
- • New cost: £67,500/year (1.35%)
- • Annual saving: £42,500
- • 10-year saving: £425,000
Switching costs:
- • Exit fees from old provider: Typically £0-5,000 (check your terms)
- • Transfer time: 4-8 weeks
- • Quantum initial fee: £0
Break-even: In most cases, you're saving money from month one.
"We regularly help clients switch from high-cost providers. In 14 years, we've never had a client regret making the move—only regret not doing it sooner."
How Our Fees Work
Our fees reflect the responsibility, strategy and governance required to manage complex wealth correctly.
Fees are calculated as:
- 1% of assets under management
- Subject to a minimum annual private wealth retainer
- Charged monthly in arrears via the Transact Investment Platform
- No investment commissions are ever received
- Insurance advice may include a disclosed insurer commission only where applicable
What You Get:
- Unlimited planning meetings (no per-meeting fees)
- All investment management & rebalancing
- Tax planning & structuring advice
- Estate planning coordination
- Family governance facilitation
- Access to institutional fund managers (Dimensional)
- Ongoing portfolio monitoring
- Platform & custody costs
What You'll NEVER Pay:
- Product commissions
- Transaction fees for trades
- Referral fees from fund managers
- Hidden charges or undisclosed fees
- Penalties for calling or meeting
- Extra fees for "premium" advice
"Most clients find that the tax savings we deliver in the first year alone exceed our annual fee—making our service a net positive investment, not a cost."
What to Expect
From first conversation to comprehensive wealth architecture in 90 days.
Initial Call
30 minutes
Explore whether we're a potential fit for your situation
Discovery Meeting
90 minutes
Deep dive into your financial world, goals and complexity
Proposal & Fee Agreement
2 weeks
Transparent breakdown of scope, services and costs
Architecture Phase
60-90 days
Design your comprehensive financial plan across all three mountains
Implementation
Ongoing
Execute the plan and manage your wealth over decades
Initial Call
30 minutes
Explore whether we're a potential fit for your situation
Discovery Meeting
90 minutes
Deep dive into your financial world, goals and complexity
Proposal & Fee Agreement
2 weeks
Transparent breakdown of scope, services and costs
Architecture Phase
60-90 days
Design your comprehensive financial plan across all three mountains
Implementation
Ongoing
Execute the plan and manage your wealth over decades
What Families Experience
Clarity across their entire financial world
Fewer reactive decisions and less stress
Stronger family alignment around wealth
Structured protection against life's uncertainties
Confidence that wealth will endure across generations