The service we provide reflects the complexity of our clients’ circumstances. Our initial meeting is free of charge, which provides an opportunity to evaluate your situation in full, and to establish whether we can provide a solution to meet your objectives.
In advance of any chargeable work, we will provide you with a client specific Letter of Engagement that will detail the services we have agreed to carry out of your behalf, and the associated costs. Work will only commence once this acceptance of engagement has been signed and returned to us.
The strategic financial planning fees detailed provide an indication of the costs involved within specific areas of advice. The level of fees charged depends on the complexity of work involved and based on our hourly rates shown. Please note that any fixed fee will be agreed with you prior to engagement – we do not charge by the hour. In certain cases, these fees could be subject to VAT; however, we will confirm this in our Letter of Engagement and our specific recommendations.
|Scope of work||Range of Fees|
|Financial plan with comprehensive cash flow analysis||£1,500 - £5,000|
|Retirement planning||£1,250 - £3,000|
|Estate and inheritance tax planning||£2,500 - £5,000|
|Review of legacy investments||£1,250 - £3,000|
|Review of legacy pension provision||£2,000 - £5,000|
|Pension transfers (incl. defined benefit plans)||£2,000 - £5,000|
|Equity release||£1,500 - £5,000|
|Long-term care||£1,250 - £3,000|
|Alternative investments (including EIS, VCT and SITR investments)||£1,500 - £5,000|
|Charitable gifting strategy||£1,250 - £3,000|
|Our Hourly Rates||Range of Fees|
|Partner or Chartered Financial Planner||£375 + VAT per hour|
|Paraplanner||£175 + VAT per hour|
|Adviser support||£100 + VAT per hour|
|Implementation Fees||Percentage Fee|
|Percentage fee applied to the value of monies invested or transferredExample: if you invest/transfer £250,000 into an ISA, general account, investment bond or pension, our implementation fee would be £2,500||1%|
|Percentage fee applied to the value of monies invested or transferred into an alternative investment schemeExample: if you invest £50,000 into a VCT, EIS, SeedEIS, SITR pr BPR product, our implementation fee would be £1,500||3%|
For new clients our implementation fee is subject to a minimum of £1,250. Please note that in cases where the scope of work is significant, we may charge more than that quoted.
Up to £200,000
£200,000 - £1 million
£1 million +
|Annual portfolio valuation and performance summary||✔||✔||✔|
|Investment portfolio service||✔||✔||✔|
|Online access to portfolio valuations||✔||✔||✔|
|Benefit from expert in-house investment team and committee||✔||✔||✔|
|Adviser meeting, with financial planning and investment review||Annual*||Annual||Half-yearly|
|Active utilisation of annual allowances, where possible (e.g. ISA, CGT)||-||✔||✔|
|Financial plan and cash flow modeling||-||By agreement||✔|
|Annual meeting with an Investment Manager||-||By agreement||✔|
|Liaison with 3rd party professionals||-||✔||✔|
|Invitation to our client events||-||✔||✔|
|Charitable gifting strategies||-||-||✔|
|Holden & Partners on-going fee is based on a percentage of the amount you invest and / or transfer||1%||1%||1% up to £1M;
0.6% on the next £1M;
|Transactional / switching charge||Nil||Nil||Nil|
|Third party discretionary manager (based on value of managed monies)||0.50%||0.50%||0.50%|
* Unlike the two or three rune service, the annual portfolio review for one rune clients is normally carried out via virtual meetings, email or telephone. However, meetings at our office are also available.