Our fees

We believe great advice should be accessible, aligned, and fair — with no hidden costs or nasty surprises. That’s why we follow five simple principles when it comes to our fees.

1. Simple and clear

You should always know exactly what you’re paying, and why. No small print. No surprises.

2. Fees matter

Every pound in fees is a pound that can’t grow for your future. Small differences today compound into huge differences over time.

3. No barriers

We don’t charge upfront fees just to get started. No ‘toll booths’. No blockers. Everyone deserves access to life-changing advice.

4. No conflict of interest

We’re only paid by you. No commissions, kickbacks or hidden incentives. Our loyalty is 100% to you.

5. All-in support

Our ongoing fee covers everything: meetings, reviews, calls, coaching – as much as you need. We don’t charge by the hour, because we never want you to hesitate to reach out.

Fee to build your plan

&together: £0
Typical adviser 2.4%*

Fee to implement your plan

&together: Up to 0.7% (tiered down for larger assets)
Typical adviser ~1%*

Ongoing partnership

&together: Up to 0.7% pa (tiered down for larger assets)
Typical adviser: Up to 1.25%*

Total Ongoing Charge

&together: typically under 1%
Industry average: 1.9% * (including advice, custody and investments)

What’s included
Unlimited meetings, reviews, calls, and support. No hourly rates. No exit penalties. No commissions. We’re only paid by you — and that’s exactly how it should be.

Fees & VAT
Fees shown here are VAT-exempt. Exact fees and VAT treatment are confirmed in your client agreement before any work starts.

(*According to FCA – How much financial advice costs – Which?)