Our Fees

Clear. Fair. Simple.

You’ll always know the cost before any work begins.

Foundations Meeting

No cost

This is our starting point, and there is no cost for this meeting.

The purpose is simple: to understand you, your goals, your concerns, and the life you want to build over the next 10, 20, or 30 years.

In this meeting, we’ll talk through your current position, your priorities, and any uncertainties that may be holding you back. It’s a relaxed conversation designed to give you clarity — not commitments.

As part of this process, you’ll also receive your personalised Compass Report, prepared entirely at no cost.

This report gives you a clear, independent assessment of your financial position:

what’s working well

what may need adjusting

where risks or inefficiencies may be quietly building

We use this together in your Planning Meeting to shape your financial plan, explore scenarios, and decide on a direction that feels right for you and your family.

The Foundations Meeting gives you clarity, comfort, and a deeper understanding of what’s possible before you make any decisions.

Foundations Meeting

No cost

This is our starting point, and there is no cost for this meeting.

The purpose is simple: to understand you, your goals, your concerns, and the life you want to build over the next 10, 20, or 30 years.

As part of this process, you’ll also receive your personalised Compass Report, prepared entirely at no cost.

This report gives you a clear, independent assessment of your financial position:

what’s working well

what may need adjusting

where risks or inefficiencies may be quietly building

We use this together in your Planning Meeting to shape your financial plan, explore scenarios, and decide on a direction that feels right for you and your family.

The Foundations Meeting gives you clarity, comfort, and a deeper understanding of what’s possible before you make any decisions.

Planning Fee

£3,000 Fixed Fee

This fee covers all the planning and analysis required to build a clear, personalised financial plan. It includes gathering information, completing the research, preparing your financial projections, and creating your full recommendation report.

By the time you’ve received your Compass Report and we’ve explored your priorities together, you’ll have a clear sense of whether moving into the Planning stage feels right for you.

Everything up to the point of implementation is included within this fee.

Once you have received your plan, you are free to decide whether you would like me to carry out the implementation for you.

Planning Fee

£3,000 Fixed Fee

By the time you’ve received your Compass Report and we’ve explored your priorities together, you’ll have a clear sense of whether moving into the Planning stage feels right for you.

Everything up to the point of implementation is included within this fee.

Once you have received your plan, you are free to decide whether you would like me to carry out the implementation for you.

1% Implementation Fee

Maximum fee of £5,000

If you choose for me to implement your plan, this fee covers all work required to set up and execute your investment strategy. This includes:

Preparing all investment and transfer paperwork

Setting up your portfolio in line with the agreed recommendations

Liaising with providers to ensure a smooth transfer of funds

Allocating investments according to the recommended strategy

Ensuring your portfolio is accurately established and ready for ongoing management

Implementation fee

This is a one-off fee, charged only if you choose to proceed with implementation.

It is not an ongoing or annual charge.

1% Implementation Fee

Maximum fee of £5,000

If you choose for me to implement your plan, this fee covers all work required to set up and execute your investment strategy. This includes:

Preparing all investment and transfer paperwork

Setting up your portfolio in line with the agreed recommendations

Liaising with providers to ensure a smooth transfer of funds

Allocating investments according to the recommended strategy

Ensuring your portfolio is accurately established and ready for ongoing management

Implementation fee

This is a one-off fee, charged only if you choose to proceed with implementation.

It is not an ongoing or annual charge.

Ongoing Advice Fee

0.75% per year of the funds we manage for you

For portfolios of £1 million or more, the ongoing advice fee is 0.5%.

Our ongoing advice service is designed to give you clarity, confidence, and long-term support as life and legislation change.

This fee covers the full management of your financial plan and portfolio, including:

A structured annual review to assess progress and priorities

Ongoing oversight to ensure your investments and decisions remain aligned with your goals

Adjustments as tax rules, legislation, and life circumstances evolve

Clear, timely guidance when decisions arise

Ongoing access for support, questions, and reassurance

You will also retain access to your personalised Compass Report, updated annually to show how your plan is progressing, what remains on track, and where attention or adjustments may be needed.

This fee ensures your plan remains aligned with the life you want to live, providing ongoing structure, clarity, and calm decision-making.

Ongoing Advice Fee

0.75% per year of the funds we manage for you

For portfolios of £1 million or more, the ongoing advice fee is 0.5%.

Our ongoing advice service is designed to give you clarity, confidence, and long-term support as life and legislation change.

This fee covers the full management of your financial plan and portfolio, including:

A structured annual review to assess progress and priorities

Ongoing oversight to ensure your investments and decisions remain aligned with your goals

Adjustments as tax rules, legislation, and life circumstances evolve

Clear, timely guidance when decisions arise

Ongoing access for support, questions, and reassurance

You will also retain access to your personalised Compass Report, updated annually to show how your plan is progressing, what remains on track, and where attention or adjustments may be needed.

This fee ensures your plan remains aligned with the life you want to live, providing ongoing structure, clarity, and calm decision-making.

Legal protection, built into your plan

Included as part of your planning process

You’ll also receive a professionally drafted Will, Power of Attorney, and essential trust guidance, created through my partnered legal executive at no additional cost.

This ensures your financial plan has the legal protection it needs, without extra fees, added complexity, or the stress of arranging this separately.

Ready when you are

No pressure. No commitment.

Just clarity, conversation, and a sense of what’s possible.

Take the first step with a 15-minute Clarity Call

A simple conversation to understand your situation and explore whether my process feels right for you.

No cost. No pressure. Just a calm first step.

Book A Clarity Call

Ready when you are

No pressure. No commitment.

Just clarity, conversation, and a sense of what’s possible.

Take the first step with a 15-minute Clarity Call

A simple conversation to understand your situation and explore whether my process feels right for you.

No cost. No pressure. Just a calm first step.

Book A Clarity Call

Wealth Transfer Specialist

A trading name of Harvest Associates Ltd

Authorised and regulated by the Financial Conduct Authority (FCA).

FCA Firm Reference Number: 629749

Registered address:

Harvest Associates Ltd

9 Midland Way

Barlborough

Chesterfield

S43 4XA

Wealth Transfer Specialist is a trading name of Harvest Associates Ltd, which is authorised and regulated by the Financial Conduct Authority.

FCA Firm Reference Number: 629749