Understanding our fees

We work with our clients through a five step process to financial freedom.

Step 1: Explore 
We have an initial meeting for us to understand your needs and aspirations and discover if we can help you.

The aim of the meeting is for us to gather information and build a snap shot of your financial situation in order to see if we are the right company to guide you further. 

Step 2: Recommend 
Following our meeting we will send a brief summary of your requirements, how we may be able to help and our fees and charges should you wish to appoint Sheldon Flanders officially to carry out further work. 

Step 3: Research 
If you ask us to go ahead, we work on your personal research report. This will review the whole market to find the right pensions and investments for you.

If you have existing investments we will thoroughly review how they are performing and if they are still the right option for you, now and in the future. 

We will take time to go through the report with you, explaining our recommendations. 

Step 4: Implement 
If you ask us to, we implement the details of the report.

We charge based on the level of investment and complexity, and will always provide a transparent fee quote before proceeding. 

Step 5: Manage and review 
We provide regular written updates on your investment performance, and at least one full face to face review a year.

We are also always contactable by phone to clarify anything or to help you if your circumstances change. 

Fees

First meeting 
The first meeting is complimentary and there is no cost to you for this. 

Personal research report 
Your personalised research report outlining your personal financial plan, tailored to your specific circumstances, needs and aspirations, is charged from £1,350 dependent on the complexity of your affairs and the time it takes to complete the research.

Our fee is based on an hourly rate of £225.  

Implementation 
Fees for implementing your personal financial plan are calculated as a percentage of your investment and we will always provide a transparent fee quote before proceeding. 

We charge based upon a tiered structure: 
Up to £250,000:              3% 
£250,000 – £500,000:     2% 
£500,000 plus:                1% 

Please note if the advice is taken, the implementation fee will offset our charge for the report.

Management and review 
Ongoing financial management is charged at an annual fee, based on the complexity of your affairs.

A full management fee will be quoted as part of the research report.