Our charges

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.

Strategic Financial Planning Fees

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 fees are based on our hourly rates as follows:

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

For the implementation of an agreed plan, where we facilitate the purchase of investments or the investment of transferred funds, our fee is based on a percentage of the amount you invest and/or transfer.

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.

Portfolio Services

The ongoing wealth management service will help ensure you are on track to achieve your goals and the service provided is bespoke to your requirements. The table below provides an indication of the client service:



For whom: Clients who require light-touch services from their financial planner but also require ongoing investment management. Clients will have investable assets of under £200,000. The initial review will identify both financial planning and investment needs.



For whom: Clients who require bespoke advice and an ongoing relationship with their financial planner. Typically, clients will have investable assets of between £200,000 and £1 million.



For whom: Clients who require highly bespoke advice and an ongoing relationship with their financial planner. Typically, clients will have investable assets in excess of £1 million

Portfolio Size
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 - - ✔
Charges
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;
0.35% thereafter
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.

I have been a customer of Holden & Partners since its inception. During this time, no matter what the state of the financial climate, I have always found that their advice has been balanced and fair. They have a good understanding of everyone’s individual circumstances and produced tailored strategies to match these needs and expectations.

Duncan B, NHS consultant

I’ve always received high quality, personable advice at a time of my convenience. My adviser has often travelled to my home in order to provide very personal service. The advice given is clear and unambiguous. The risks of different types of investment have been clearly discussed to allow me to make an appropriate decision on the nature of my investment portfolio. This has been of great importance when considering the available investment options for my forthcoming retirement. I have always considered that Holden & Partners is very client centred and they have my best interests at heart. I have been with Holden & Partners since 1996 and have recommended them to friends and colleagues on many occasions.

Michael, Surgeon

Holden & Partners manage our company pension scheme with a totally professional and dedicated approach. They have worked with us over a number of years, and are able to explain the potential ‘minefield’ that is pensions, to make it perfectly accessible for the staff.

Jeremy, Print Management Partner

Holden & Partners offer everything I want from financial advisers. They are highly efficient, independent and trustworthy. They understand their clients and give them a great service. The peace of mind they offer me is invaluable in allowing me to get on with my work and family life.

Peter, director of publishing company

Holden & Partners provide me with a friendly, efficient and personalised service that has been tailored over time to meet my changing needs and priorities. I value their ability to always be one step ahead and lead me seamlessly through the maze of paperwork.

Helen, former Investment Banker

Holden & Partners clearly ‘read’ our financial needs and requirements very well. Most of our queries will have been well anticipated. Where changes of mind are offered, we get practical reasons, not excuses. And outside review periods we have the sense that the vigilance continues on our behalf.

Chris, professional copy-writer

On retirement after 40 years of salaried employment, I interviewed several financial advisers, amongst whom Mark Dodd of Holden & Partners was the nicest and seemingly the most understanding of my investment needs and priorities. Since then my wife and I have had regular (c.6-monthly) meetings with him in order to check and, when necessary, adjust the holdings in our portfolio. This has been very helpful and provided a comforting sense of confidence and security. I have recommended Holden & Partners to others and will certainly continue to do so.

Patrick, retired university professor

It’s easy to feel powerless in the face of global trends such as climate change and environmental destruction. But I feel I regain power as a consumer and a citizen by thinking about where I spend my money and to whom I entrust my savings. I chose Holden and Partners because they were recommended to me and because of their strong track record in ethical investments. It has proven to be a wise choice. Their advisors listened carefully to my needs and created an investment strategy and portfolio that has met and indeed continues to exceed my expectations. The culture of a company also matters to me, I have found their advisors to be well informed and financially shrewd but also easy to speak to and engage with. Many of us find it difficult to trust institutions and organisations these days, but I do trust Holden and Partners to make the right decisions on my behalf.
I would have no hesitation in recommending them to others.

Patrick, Advertising and Marketing Consultant

Read all our testimonials

Contact us

Whether it’s a question about your personal finances or how you can invest your wealth more ethically, we are here to help. Call us on 020 7812 1460, email info@holden-partners.co.uk or complete the form:

Holden & Partners is a trading name of Peter R T Holden and Partners LLP and is authorised and regulated by the Financial Conduct Authority (446291), but not all of the products and services mentioned in this website may be so regulated. Click here to view Holden & Partners on the FCA register. All content © 2019 Holden & Partners.