Fixed Fee Pension and Investment Advice

Last updated on 19/05/2017

Fixed Fee Financial AdviceFixed Fee Pension and Investment Advice - Turbo Charge Pensions and Investments by knocking out commissions ....

We are fixed fee only Independent Financial Advisers.  We always set up new pensions schemes on a fee only basis to make sure you receive the maximum initial entry charge or ongoing management charge discount from the pension company.  Over a period of time this may save you many hundreds if not thousands of pounds in additional charges that would have been kept by the pension/insurance company or financial adviser.

How other advisers work:

Many financial advisers charge a % of the value of your fund both an upfront % and an ongoing % charge.  We do not.  The maximum fees that could be paid from pension plan/policy charges (old style commission in all but another word) is usually between 3% and 7% of the value of the pension fund plus say an ongoing 0.5% to 1.0% per year as an ongoing adviser trail fee.  E.g Pension transfer £100,000 x 4% = £4,000 plus say 0.5% p.a. at £500 p.a. and many advisers work this way.  We do not work this way, we will not be paid these %.  We will be paid what our agreed fee is with you to secure you the lowest/most competitive entry charges and ongoing fund management charges we can for you.

Example Nil Commission Pension .... A £53,031.43* Bigger Pension Fund Boost for just £330

Mr S, Midlands, Aged 20 pays £100pm net (£125pm gross) into a 'High Street Brand' Personal Pension Plan via a % Charging Financial Adviser/Bank at 1% pa adviser charge.  Total annual charge on pension fund 1.6%pa.

Projected Pension Fund at age 65 - £159,399.42

Our Fixed Fee Terms:

  • Same style pension with the same High Street Brand Insurance Company
  • Same £100pm monthly payment.
  • Nil ongoing adviser fee
  • Annual charges reduced to 0.6%pa.
  • Our 'one off' arrangement fee £330 paid upfront or £374 paid on completion.

Projected Pension Fund (on fixed fee basis) at age 65 - £212,430.85

A staggering £53,031.43 larger pension fund in exactly the same scheme with the same investment fund and same growth rates.

There is no catch ..  you simply pay us an upfront advice fee for arranging your pension plan rather than us taking ongoing % charges.

Projections are based upon: Investor aged 20 today, paying £125 per month gross pension contribution.  Projected fund growth rate at FCA Mid Growth Rate 5% pa and annual fund management 0.6% pa applied monthly.  The value of funds can fall as well as rise and is not guaranteed.  You may get back less than you invest.  Delivery Method : Online/Remote/Non-Face to Face Advice.

Other Examples:Could You Save £000s With Help?

Client Age 30, paying £300pm.  Projected Pension Fund at age 65:

  • With 1% pa adviser fee: projected fund £241,818.64.  
  • Our terms: projected fund £299,280.76.
  • Difference: £57,462.12 bigger fund at 65.
  • Our 'one off' arrangement fee for personal pension plan: £750 paid upfront or £850 paid on completion.

Client Age 30, pension transfer value £100,000.  Projected Fund at age 65:

  • With 1% pa adviser fee: projected fund £328,155.48.  
  • Our terms: projected fund £465,147.12.
  • Difference: £136,991.64 bigger fund at 65.
  • Our 'one off' arrangement fee for personal pension transfer: £1,325 paid upfront or £1,435 paid on completion.

Projections are based upon stated ages and gross pension contributions.  Projected fund growth rate at FCA Mid Growth Rate 5% pa and annual fund management 0.6% pa applied monthly.  Adviser fee 1% pa, deducted monthly and our zero ongoing adviser fee.  The value of funds can fall as well as rise and is not guaranteed.  You may get back less than you invest.  Delivery Method : Online/Remote/Non-Face to Face Advice.

Turbo charge your pensions today, speak to an adviser.

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