Transparent Fees. No Fine Print Surprises.
Ever felt like the financial industry is like a luxury shop hiding price tags inside garment pockets? We don't hide our fees. Here is our complete, transparent price schedule.
Calculate Your Exact Advisory Costs
Use the slider below to see an instant breakdown of your initial comprehensive plan, implementation fee, and ongoing management.
Portfolio Fee Simulator
Select your total investable portfolio or pension value to see the exact fees payable:
Note: Ongoing service of 1% per annum is deducted directly from platform assets on a monthly basis in arrears. If portfolio values decline, fees reduce proportionately. You are never tied into a minimum contract term.
Transparent Price Breakdown
Pro Bono & Guidance Service
A 30-minute consultation with a qualified Chartered Financial Planner for individuals who need foundational clarity, initial orientation, or emergency perspective but have not yet accumulated substantial investable assets. Offered as part of Spentwell's institutional "do right, do good" social commitment.
Comprehensive Financial Planning
Our complete core advisory relationship. Includes exploratory discovery (£0), strategic proposals (£0), comprehensive written financial plan and visual cashflow modeling (£995 fixed), end-to-end implementation (1%), and ongoing year-round advisory check-ups (1% p.a.).
One-Off Specialized Advice
Designed for self-directed individuals requiring expert guidance on a specific life transaction without ongoing wealth management. Subject to a £2,800 minimum fee (equivalent to 14 billable hours). All scope and hours agreed and documented in advance.
Human Protection (Insurance)
Zero upfront or ongoing advisory fees charged directly to you for establishing life assurance, critical illness cover, or income protection. Spentwell is remunerated via an intermediary commission paid by the insurance provider, disclosed down to the exact penny prior to policy inception.
Statutory Worked Example: £300,000 Portfolio
To demonstrate exactly how our fees operate in practice, here is a transparent breakdown based on an individual or couple with a combined £300,000 pension and investment portfolio:
| Milestone / Stage | Calculation Formula | Exact Fee Payable |
|---|---|---|
| 1. Initial Discovery Meeting & Strategic Proposals | Complimentary fiduciary exploratory review | £0 |
| 2. Comprehensive Written Financial Plan | Fixed fee for full investigation, cashflow modeling, and report | £995 |
| 3. Implementation Fee | 1.0% of £300,000 managed assets | £3,000 |
| 4. Ongoing Service Fee (Year 1) | 1.0% per annum (approx. £250 deducted monthly in arrears) | £3,000 |
| Total Combined Fees in Year One | £995 plan + £3,000 implementation + £3,000 ongoing | £6,995 |
*Clients may take their written financial plan (£995) and choose to implement recommendations independently without paying the 1% implementation fee. All platform custody charges (such as Transact) and underlying fund fees are fully unbundled and declared in your Suitability Report.
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