We begin with an initial meeting, either in person or remotely, to learn more about you, your aspirations, and what matters to you. We want to understand where you are now and where you want to get to. This meeting is on a no-fee, no-obligation basis - and we'd encourage you to bring a partner or someone you trust along too, just let us know. It's about finding out whether we're the right fit and whether we believe we can genuinely add value by working with you. If we decide to go ahead, we'll build up a full financial picture of your life, which forms the foundation of your personalised plan. Once we understand your situation, we'll be able to give you a clear indication of fees before any chargeable work begins.

The initial fee covers the full advice and planning process, including a detailed review of your current financial situation, forming clear objectives and priorities, research and analysis of suitable solutions, a personalised financial plan with clear recommendations, and a meeting to talk through those recommendations with you. You'll always know what you're paying before we start.

Our ongoing service is designed to keep your plan on track as your life changes. That typically means an annual review meeting, regular monitoring of your investments and financial products, updates to your plan if your circumstances or objectives shift, and access to advice and support whenever you need it in between reviews.

Depending on the recommendations we make, there may be additional third-party costs - things like platform fees, fund management charges, or administration fees. We'll always explain these clearly before you proceed so you have the full picture on what everything costs. We're also happy to benchmark our costs against comparable services from other advice firms. We're confident in the value we offer.

Yes. Our ongoing service isn't contractual and can be cancelled by either party at any point, without any penalty.