Our Fee Structure

We believe in fair and transparent pricing and understand that it can be difficult to book a first meeting without knowing the cost of our services.

To make things clear, we have outlined our fees from start to finish below:

  • Full Financial Planning Report £1,995 to £2,995


    This includes a full review of existing financial arrangements, and in-depth research into pensions and investments for suitability. We provide detailed recommendations and outline the actions you could take to reach your objectives, all within a comprehensive written document.

    This service includes:

    • A detailed financial plan tailored to your goals.

    • Rigorous analysis of your current financial position.

    • Strategic recommendations to optimise your finances and investments.

  • Implementation cost capped at £795


    If you decide that you would like us to implement any of our recommendations, we charge a fixed implementation fee depending on the complexity .

    We will confirm the fee level with you before we start this stage - however this fee is capped.

    This covers the administrative and practical work of implementing your financial plan, including:

    • Executing investment or policy changes.

    • Setting up new pensions or investments

    • Arranging contributions or withdrawals

  • Ongoing Fee (Percentage-Based, Tiered Structure)


    Our fees are based on the amount you have invested with us, ensuring fairness and transparency:

    0.75% on the first £500,000 invested.

    0.50% on the next £500,000 (from £500,001 to £1,000,000).

    0.25% on amounts exceeding £1,000,000.

    This tiered approach ensures that fees scale fairly with portfolio size, reflecting the level of complexity and work involved while avoiding disproportionate charges.

Your Personalised Ongoing Fee Calculator
Your Personalised Ongoing Fee Calculator
£
Annual Financial Planning Fee
£3,750.00
Overall percentage
0.75 %

For your investments, there are two additional costs beyond our annual fee:

  • Platform fees: These are charged by the custodian or "platform" that manages your investments, provides tax wrappers, and handles tax reporting, among other services and are around 0.15% (this decreases with higher portfolio values)

  • Fund fees: These are the fees associated with investing in our evidence-based portfolios, which are run and managed in partnership with industry leader Timeline. They oversee the portfolios, ensuring they align with our passive, evidence-based approach. The cost of this starts at 0.17%

For a portfolio of £500,000, with our ongoing advice fee included, the total annual expense comes to around 1.07%.

The Financial Conduct Authority does not regulate Cashflow Planning.

The value of Pensions and Investments and any income from them can fall as well as rise. You may not get back the full amount invested.

Ready to start your journey to a BetterLife?

☎ 01326 33 33 55

✉ toby@betterlifefp.co.uk

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