What We Charge
Above Llanrhaeadr-ym-Mochnant
We’ve made our charges clear, fair and competitive
We aim to be upfront and transparent in all our business with you, and that includes what we charge for our services.
Some high-street banks or financial institutions offer ‘free’ advice. But they can only recommend the restricted range of products that they themselves offer. And, of course, the charges for their limited advice are often hidden in significantly higher ongoing costs than you could get elsewhere.
As fully independent Chartered Financial Planners we’re not tied to any one company or group of companies, and we have a whole market view. So we can tailor a unique financial solution solely with your particular goals in mind from the thousands of options available on the market.
"Typically the gains you will make in terms of investment growth, lower ongoing costs, increased income or tax-saved will outweigh the charges you pay us."
Instead of relying on commission payments, we make a charge for this service, which generally is in the form of a small percentage of the money invested. It means you can be sure we always recommend the plan that’s best for you, rather than the one that’s best for us. This can be a one off-fee, for example with a pensions review and consolidation, or as an ongoing arrangement for managing continuing investments.
But (bearing in mind that all investment carries some risk) typically the gains you will make in terms of investment growth, lower ongoing costs, increased income or tax-saved will outweigh the charges you pay us.
How our charges work
We always lay out our charges clearly before we start any work for you so you can be sure there are no hidden costs or unexpected extras. Often the costs can be paid directly out of the funds invested, for instance with pensions and individual investments.
And for private clients we don’t bill on an hourly basis. We want you to feel free to contact us with any questions you have, or meet with us, whenever you’d like without worrying about it costing you any more. (For corporate clients we will discuss an appropriate, competitive, fee structure individually with each business.)
"We always lay out our charges clearly before we start any work for you so you can be sure there are no hidden costs or unexpected extras."
We aim to provide the highest quality of clear, jargon-free advice to our clients, helping them plan their future, grow their investments and achieve their financial goals. And, as a smaller, well-established family firm without the marketing overheads of some of our bigger rivals, we’re confident you’ll find us competitive when it comes to our charges.
If you’d like more information do call or email.
The initial meeting is always at our expense.
Research Advice & Implementation Charges *
Investment tier
Initial Fee
First £50,000
3.0%
Next £450,000
1.0%
* For complex financial situations, we reserve the right to alter our charges but will always confirm these to you before we commence any work.
Ongoing Service & Reviews *
Our ongoing service includes continuing management of your investments. We consider this important to ensure you do not remain invested in underperforming funds and it ensures your investments remain suitable to meet your objectives. Maximising your return, within a risk constraint, is our primary objective. It also includes:
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Research and analysis of the funds within your portfolio/alter the asset allocation if required
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Annual Statement of Holdings
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Ongoing Access to your adviser
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All assets held on our back-office system and continually updated
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Graham Carter & Co Newsletter three times a year
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Access to our support team
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Annual Review meeting at your home or our office
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Review of your Attitude to Investment Risk
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Review of Tax changes
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Cash flow modelling update, where applicable
This is all covered by a simple annual fee of 0.75% of the investments.
* This service is optional and can be cancelled at any time.
Example of Charges
Scenario 1
Investment of £100,000
Initial advice, research & Implementation including lifetime cash flow planning.
Initial Charge £2,000
Management of Investments, Ongoing Service & Reviews :
£750 p.a.
Scenario 2
Investment of £200,000
Initial advice, research & Implementation including lifetime cash flow planning.
Initial Charge £3,000
Management of Investments, Ongoing Service & Reviews :
£1,500 p.a.
Scenario 3
Investment of £500,000
Initial advice, research & Implementation including lifetime cash flow planning.
Initial Charge £6,000
Management of Investments, Ongoing Service & Reviews :
£3,750 p.a.
Note
The above is an example of our main advice & service proposition. It may not be suitable in all circumstances. A more comprehensive description of our services and charges can be found