Our fees

We think its really important to be transparent about our fees and what we will do for you.

We make any fees clear at every stage before any work is implemented. Any costs are discussed at the initial meeting, to give you an idea of which category you would fall into. We ask clients to sign a client agreement prior to us commencing a piece of work.

We believe that we offer excellent value for money for our clients. It is very important to us that clients understand fees, and know that the adviser fee is not the only cost to consider. Clients must also consider the provider cost and the investment costs. We strongly believe that we will not be beaten on an ongoing basis when all three costs are taken into consideration.

You can tell us what you are looking for help with and we can outline our services. No commitment from you and no advice from us.

Free of charge

Help create a plan for the future and answer questions such as “when can I afford to retire”, “ Am I saving enough for retirement”, “Will I run out of money”.

£795

For clients who wish to manage their own investments. We can make a provider and investment recommendation. Once implementation has been finalised, we take no responsibility for the ongoing suitability of the products and investments.

1% initial fee (subject to min £1,500 for 1st product, £1,000 for additional products)

Planning for the future  clients (accumulation)

1.00% initial fee
0.75% per year ongoing fee
Min £1,500

This service is for clients accumulating assets, They may be 20 years or 5 years from retirement, or perhaps in retirement and accumulating wealth, but would like our ongoing advice to help them stay on track.

We provide annual cashflow modelling and investment advice.

Clients may need help around ISA contributions or the level of pension contributions they should make.

Includes:

  • Annual review meeting
  • Ongoing cashflow modelling
  • Ongoing monitoring of your plan
  • Access to adviser when needed

At/In retirement clients (deccumulation)

1.00% initial fee
0.75% per year ongoing fee
Min £2,500

This service is for clients a year out from retirement or already in retirement. They will benefit from our ongoing advice to help ensure sustainability of their retirement plans.

We provide annual cashflow modelling and investment advice.

Clients will need help with regular or ad hoc withdrawals and may start to think about inheritance tax planning. We will give advice to help with tax efficiency.

Includes:

  • Annual review meeting
  • Ongoing cashflow modelling
  • Ongoing monitoring of your retirement plans
  • IHT planning
  • Access to adviser when needed

Bespoke clients

1.00% initial fee
0.50% per year ongoing fee
Min £10,000

This service is for high-net-worth or family clients with multi product or multi-client portfolios. It also includes trust and corporate clients.

We provide annual or bi-annual meetings, cashflow modelling and investment advice.

Clients will need help with tailored inter-generation planning, tax efficiency and more complex investment solutions such as bonds, Trusts, VCTs & EIS solutions.

Includes:

  • Annual or bi-annual meeting
  • Ongoing cashflow modelling
  • Ongoing monitoring of your plans
  • IHT planning
  • Access to adviser when needed
  • Tailored solutions

Our ongoing advice fee calculator

Examples of total annual ongoing fees

Client 1

£500,00 client with a pension in decumulation

  % £
Verus ongoing fee 0.75% £3,750
Provider fee 0.13% £650
Fund charges 0.22% £1,100
Total 1.10% £5,500
Client 2

£2 million Trust client

  % £
Verus ongoing fee 0.50% £10,000
Provider fee 0.04% £750
Fund charges 0.22% £4,400
Total 0.76% £15,150

These charges are illustrative only. Any fees relevant to you will be discussed at your initial meeting and fully disclosed before implementation.

All fees applicable to you will be confirmed after our initial meeting.