Integral Financial Planning – Clear & Transparent on Charges
Each client relationship is unique, and so each fee arrangement is different. It varies on the scope of advice that is required, and the amount of work needed. Written fee proposals are always provided in advance, to be agreed with you before any chargeable work begins.
Our initial meeting is at no cost and allows you to find out more about us, and us to find out more about you to see where we can help you.
Investment & Pension Planning
When initially advising on investments and/or pensions, we typically charge between 1-2% of the initial investment amount involved dependent on the complexity of the arrangements. Annual fees for on-going financial advice and portfolio management are typically 0.75% of the assets we manage. It’s that simple.
Our ongoing fee includes an annual review of your overall planning considering your income and expenditure, the current level of risk being taken with your investments, a re-balance of your portfolio and access to our secure online customer portal where you can track your investments 24/7.
We keep costs low by using low cost investment funds. Ask us for a copy of our investment process and philosophy for further information about how we manage our client’s money.
When arranging life cover, critical illness cover or any other financial insurance policy, we will usually receive a commission from the recommend insurer, the commission amount will be included within our report to you and agreed before we implement any protection policy.
Trust & Tax Planning
When working with you on complex tax and trust matters we provide a proposal and will agree a fixed fee with you before commencing work.
Working with us, our clients have often experienced lower investment costs and increased returns. We will always remain competitively priced to ensure good value expert financial planning.