Transparent Fees for Trusted Advice
At Financial Initiatives, we believe that clarity and transparency are essential when it comes to fees. Our goal is to provide professional, independent advice that is straightforward, fair, and aligned with your best interests. We structure our fees to reflect the value of the guidance and planning we provide, ensuring there are no hidden costs or surprises.
How Our Fees Work
We offer flexible approaches depending on the service you require:
Initial Consultation: An introductory meeting to understand your goals, review your current situation, and outline how we can help.
Onboarding & Implementation: If we agree to work together following the initial consultation, we begin building your financial plan. This includes gathering and reviewing relevant information, developing a clear long-term financial forecast using cashflow modelling, and preparing recommendations aligned to your objectives. We will explain these recommendations clearly and, with your agreement, take care of the practical steps needed to implement your plan.
Ongoing Financial Planning: For clients who value ongoing support, we offer a long-term planning service with regular reviews and updates. As your circumstances, goals, or legislation change, we help ensure your plan remains relevant, effective, and aligned with what matters most to you.
Project-Based Work: For specific financial events or tasks—such as retirement planning, inheritance planning, or business wealth extraction—we provide a clearly defined scope of work and associated fees.
We are committed to explaining exactly how fees are calculated, so you can make informed decisions about the services that best suit your needs.
Fee Structure Transparency
Our fees are designed to be proportional, fair, and aligned with the services provided. We will always provide a clear fee schedule upfront, highlighting whether fees are fixed, percentage-based, or a combination depending on the nature of the service.
Initial Fee
An initial fee of 1% of the invested amount, subject to a minimum fee of £2,500 and a maximum fee of £5,000. This includes the preparation of your financial plan and cashflow modelling.
Ongoing Fee
An ongoing advice fee of 0.50%–0.75% per annum, depending on the value of investments, subject to a minimum annual fee of £1,500.
Family Linking
Where appropriate, linked family members may be able to benefit from a reduced ongoing advice charge, helping to ensure consistent and cost-effective advice across generations.
By understanding the cost structure in advance, you can focus on achieving your financial goals with confidence.
Value You Can Trust
Paying for independent, evidence-based financial advice ensures that your decisions are well-informed, compliant, and tailored to your long-term prosperity. Our aim is to provide clarity and reassurance at every step, making your financial journey smoother and more secure.
Frequently Asked Questions
Do you charge for the first meeting?
No. Your first consultation is free and focused on understanding your goals and current situation. We’ll explain how we can help, with no obligation or hidden costs.Contact Us
How do your ongoing fees work?
Our Ongoing Financial Planning service includes regular reviews, plan updates, and ongoing support. Fees are explained clearly in advance, so you always know what to expect.View Fee Examples
What if I just need one-off advice, like retirement or inheritance?
That’s where our project-based fees apply. We’ll agree the scope—such as Retirement Planning, Inheritance Planning, or Business Wealth Extraction—and confirm costs upfront.Explore Our Services
Are your fees fixed or percentage-based?
It depends on the service. Some are fixed, others percentage-based, or a combination. You’ll always receive a clear fee schedule before any work begins.View Fee Examples
How do I know I’m getting value?
You’re paying for independent, evidence-based advice built around your best interests. The value is in making confident, informed decisions about your money today and for the future.Who We Are
Your Plan
Clarity around your financial challenges
Your Plan reflects the most common financial questions clients bring to us — from retirement readiness to managing complexity and planning for later life. By understanding your situation, we help connect your goals to the right advice with confidence.