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How much does advice cost?

Our charges are transparent, capped and advice is accessible to all investors.

Our expert advisers will help you decide whether you need advice and at what level you would benefit from. Where you decide you would like advice the following charges apply.

Investment Advice or Discretionary Management Investment Advice
1% of the first £1 million invested. Subject to a minimum charge of £495 (+VAT where applicable) by telephone or £1,495 (+VAT where applicable) for face-to-face advice. No charge on the balance over £1 million
Complex Financial Planning
2% of the first £200,000 invested. Subject to a minimum charge of £495 (+VAT where applicable) by telephone or £1,495 (+VAT where applicable) for face-to-face advice. 1% between £200,000 and £1 million No charge on the balance over £1 million
HL Review Service
0.365% pa (+VAT where applicable) of the value of investments under review. The charges for providing ongoing advisory services for investment values over £1 million shall be set by individual agreement.

Please note: the HL Review Service is mandatory for discretionary managed services.

Where an investment transaction is unlikely to take place, you can agree a fixed charge with your Financial Adviser. The charge will be based on the above tariff and be proportionate to the work involved. An estimate can be provided on request and any charge will be agreed with you before any work is carried out.

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Further information

All advisers are required to provide you with a 'Key facts about our costs and services' document, which outlines their charges for advice. For more information on the cost of Financial Advice please download our Key Facts document.

We will discuss with you in detail the payment options available and agree the most suitable for your needs.

To help you decide if Financial Advice is right for you, we have eliminated five common misconceptions of Financial Advice.