Flexible Drawdown Advice Fees

After age 55 you have the option of releasing lump sums from your pension, taking an income in the form of an annuity or withdrawing funds using flexible pension drawdown options.  This section deals with releasing lump sums flexible income known as flexible drawdown where you can withdraw as much or as little from your pension fund when you require it with any balance remaining invested inside the pension fund to hopefully grow and draw in the future, regularly or ad hoc or if you pass away, the fund balance to be inherited by loved ones. 

Defined Benefit Transfer? No More DB except when it is for Pension on Divorce

When you see this: = guidance notes/videos in the quotation form to help you complete your fee quotation.

If you seek a lower risk, secure, guaranteed and fixed or increasing income for life, you should visit the annuity department.

Products

 

Pension Transfer/Conversion of X 1 Money Purchase Pension Scheme (not defined benefit or safeguarded rights) to Flexible Drawdown or Full Cash In (UFPLS) or Flexible Drawdown to Flexible Drawdown for lump sum and/or income drawdown release.

  • This option is for 1 pension transfer/conversion to flexible drawdown or cash in.  If you need 2 or 3 schemes transferred/converted, select the 2 or 3 scheme fee options or contact us if your situation is more complex.

Flexible Drawdown (FD) or Fully Cash In (UFPLS)?

  • If the requirement is to partially encash some of the pension using adhoc or regular withdrawals then flexible drawdown will be used. 
  • If you require a cash out of the whole pension fund as an Uncrystalised Fund Pension Lump Sum (UFPLS) then we also deal with this process for you.
  • Both FD and UFPLS routes will include dealing with HMRC in connection with any withheld taxes and tax refunds in full or in part depending upon your tax position and country of residence.

Options can be either:

  • an internal pension transfer conversion with the same pension company
  • a full external pension transfer to a new pension company
  • full cash out, paid to your bank account and tax refunds for any withholding taxes overpaid arranged with HMRC

This will depend whether existing pension companies offer flexible drawdown or cash in options and if so, what terms they offer compared to transferring to a new company offering terms that better meet your needs and objectives.  We conduct in depth research, advice and analysis for pension transfer in various types of pension drawdown scheme (for 25% lump sum cash release and/or income when needed).  It will include research and reports on suggested pension portfolio including pension transfer recommendations plus HMRC liaison and including fund sector recommendations and provider/installation and application to completion.  Pension transfer and applications will be handled by us.

Fees are made up of two parts to make up the total fee:

  1. Fixed Fee Element - this is a fixed, flat fee per pension scheme, whether you have £50,000 or £100,000 in a pension fund, the same works and analysis are required to facilitate flexible drawdown.  If you have more than one pension to be converted you will need to ADD and give details of each pension seperately in your basket.
  2. % Risk Fee Element – this is a 'one off' fee based upon the value of the pension fund being transferred.  It is representative of the liability that we take on as advisers and the fees that we pay to insurers, ombudsman levies and regulator levies that are based upon the volumes of work that we do.  E.g.  the liability we take on for a £50,000 transfer is much lower than for a £1m transfer, hence a proportionate charge.  The part 2 fee can either be paid direct or from your pension fund.
  3. These are 'ONE OFF' fees.  There is NO ONGOING % adviser charge paid to us, unlike many other advisers who take an ongoing % each year meaning more of your investment and growth stays in your fund.

Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Upfront) - £1,188.00
Part 2 : % Risk Fee Element (Upfront) - 0.75% of Current Transfer Value CETV (£) e.g. 100,000
2. Non Face to Face Paid On Completion
15% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Completion) - £1,346.40
Part 2 : % Risk Fee Element (Completion) - 0.75% of Current Transfer Value CETV (£) e.g. 100,000
3. Face to Face Paid Upfront
10% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Upfront) - £1,425.60
Part 2 : % Risk Fee Element (Upfront) - 0.75% of Current Transfer Value CETV (£) e.g. 100,000
4. Face to Face Paid On Completion
Standard Fee
Part 1 : Fixed Fee Element (Completion) - £1,584.00
Part 2 : % Risk Fee Element (Completion) - 0.75% of Current Transfer Value CETV (£) e.g. 100,000
 
 

Pension Transfer/Conversion of X 2 Money Purchase Pension Schemes (not defined benefit or safeguarded rights) to Flexible Drawdown or Full Cash In (UFPLS) or Flexible Drawdown to Flexible Drawdown for lump sum and/or income drawdown release.

  • This option is for 2 pension transfer/conversions to flexible drawdown or cash in.  If you need 1 or 3 schemes transferred/converted, select the 1 or 3 scheme fee options or contact us if your situation is more complex.

Flexible Drawdown (FD) or Fully Cash In (UFPLS)?

  • If the requirement is to partially encash some of the pension using adhoc or regular withdrawals then flexible drawdown will be used. 
  • If you require a cash out of the whole pension fund as an Uncrystalised Fund Pension Lump Sum (UFPLS) then we also deal with this process for you.
  • Both FD and UFPLS routes will include dealing with HMRC in connection with any withheld taxes and tax refunds in full or in part depending upon your tax position and country of residence.

Options can be either:

  • an internal pension transfer conversion with the same pension company
  • a full external pension transfer to a new pension company
  • full cash out, paid to your bank account and tax refunds for any withholding taxes overpaid arranged with HMRC

This will depend whether existing pension companies offer flexible drawdown or cash in and if so, what terms they offer compared to transferring to a new company offering terms that better meet your needs and objectives.  We conduct in depth research, advice and analysis for pension transfer in various types of pension drawdown scheme (for 25% lump sum cash release and/or income when needed).  It will include research and reports on suggested pension portfolio including pension transfer recommendations plus HMRC liaison and including fund sector recommendations and provider/installation and application to completion.  Pension transfer and applications will be handled by us.

Fees are made up of two parts to make up the total fee:

  1. Fixed Fee Element - this is a fixed, flat fee per pension scheme, whether you have £50,000 or £100,000 in a pension fund, the same works and analysis are required to facilitate flexible drawdown with an additional 50% reduction on the fixed fee element for the 2nd scheme.
  2. % Risk Fee Element – this is a 'one off' fee based upon the value of the pension fund being transferred.  It is representative of the liability that we take on as advisers and the fees that we pay to insurers, ombudsman levies and regulator levies that are based upon the volumes of work that we do.  E.g.  the liability we take on for a £50,000 transfer is much lower than for a £1m transfer, hence a proportionate charge.  The part 2 fee can either be paid direct or from your pension fund.
  3. These are 'ONE OFF' fees.  There is NO ONGOING % adviser charge paid to us, unlike many other advisers who take an ongoing % each year meaning more of your investment and growth stays in your fund.

 


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Upfront) - £1,188.00
Part 1 : 2nd Scheme Discounted Fixed Fee (Upfront) - £594.00
Part 2 : % Risk Fee (Upfront) - 0.75% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
2. Non Face to Face Paid On Completion
15% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Completion) - £1,346.40
Part 1 : 2nd Scheme Discounted Fixed Fee (Completion) - £673.20
Part 2 : % Risk Fee (Completion) - 0.75% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
3. Face to Face Paid Upfront
10% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Upfront) - £1,425.60
Part 1 : 2nd Scheme Discounted Fixed Fee (Upfront) - £712.80
Part 2 : % Risk Fee (Upfront) - 0.75% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
4. Face to Face Paid On Completion
Standard Fee
Part 1 : 1st Scheme Fixed Fee (Completion) - £1,584.00
Part 1 : 2nd Scheme Discounted Fixed Fee (Completion) - £792.00
Part 2 : % Risk Fee (Completion) - 0.75% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
 
 

Pension Transfer/Conversion of X 3 Money Purchase Pension Schemes (not defined benefit or safeguarded rights) to Flexible Drawdown or Full Cash In (UFPLS) or Flexible Drawdown to Flexible Drawdown for lump sum and/or income drawdown release.

  • This option is for 3 pension transfer/conversions to flexible drawdown or cash in.  If you need 1 or 2 schemes transferred/converted, select the 1 or 2 scheme fee options or contact us if your situation is more complex.

Flexible Drawdown (FD) or Fully Cash In (UFPLS)?

  • If the requirement is to partially encash some of the pension using adhoc or regular withdrawals then flexible drawdown will be used. 
  • If you require a cash out of the whole pension fund as an Uncrystalised Fund Pension Lump Sum (UFPLS) then we also deal with this process for you.
  • Both FD and UFPLS routes will include dealing with HMRC in connection with any withheld taxes and tax refunds in full or in part depending upon your tax position and country of residence.

Options can be either:

  • an internal pension transfer conversion with the same pension company
  • a full external pension transfer to a new pension company
  • full cash out, paid to your bank account and tax refunds for any withholding taxes overpaid arranged with HMRC

This will depend whether existing pension companies offer flexible drawdown or cash in and if so, what terms they offer compared to transferring to a new company offering terms that better meet your needs and objectives.  We conduct in depth research, advice and analysis for pension transfer in various types of pension drawdown scheme (for 25% lump sum cash release and/or income when needed).  It will include research and reports on suggested pension portfolio including pension transfer recommendations plus HMRC liaison and including fund sector recommendations and provider/installation and application to completion.  Pension transfer and applications will be handled by us.

Fees are made up of two parts to make up the total fee:

  1. Fixed Fee Element - this is a fixed, flat fee per pension scheme, whether you have £50,000 or £100,000 in a pension fund, the same works and analysis are required to facilitate flexible drawdown with an additional 50% reduction on the fixed fee element for the 2nd and 3rd schemes.
  2. % Risk Fee Element – this is a 'one off' fee based upon the value of the pension fund being transferred.  It is representative of the liability that we take on as advisers and the fees that we pay to insurers, ombudsman levies and regulator levies that are based upon the volumes of work that we do.  E.g.  the liability we take on for a £50,000 transfer is much lower than for a £1m transfer, hence a proportionate charge.  The part 2 fee can either be paid direct or from your pension fund.
  3. These are 'ONE OFF' fees.  There is NO ONGOING % adviser charge paid to us, unlike many other advisers who take an ongoing % each year meaning more of your investment and growth stays in your fund.

 


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Upfront) - £1,188.00
Part 1 : 2nd Scheme Discounted Fixed Fee (Upfront) - £594.00
Part 1 : 3rd Scheme Discounted Fixed Fee (Upfront) - £594.00
Part 2 : % Risk Fee (Upfront) - 0.75% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
2. Non Face to Face Paid On Completion
15% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Completion) - £1,346.40
Part 1 : 2nd Scheme Discounted Fixed Fee (Completion) - £673.20
Part 1 : 3rd Scheme Discounted Fixed Fee (Completion) - £673.20
Part 2 : % Risk Fee (Completion) - 0.75% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
3. Face to Face Paid Upfront
10% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Upfront) - £1,425.60
Part 1 : 2nd Scheme Discounted Fixed Fee (Upfront) - £712.80
Part 1 : 3rd Scheme Discounted Fixed Fee (Upfront) - £712.80
Part 2 : % Risk Fee (Upfront) - 0.75% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
4. Face to Face Paid On Completion
Standard Fee
Part 1 : 1st Scheme Fixed Fee (Completion) - £1,584.00
Part 1 : 2nd Scheme Discounted Fixed Fee (Completion) - £792.00
Part 1 : 3rd Scheme Discounted Fixed Fee (Completion) - £792.00
Part 2 : % Risk Fee (Completion) - 0.75% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
 
 

Capped Pension Drawdown conversion of 1 X Pension Scheme to Flexible Pension Drawdown to enable flexible access to funds introduced in 2015 rather than older style capped drawdown restrictions pre April 2015.

This can be either

  • an internal capped drawdown conversion with the same pension company (if they will not allow the conversion without advice)
  • a full external capped drawdown transfer to a new flexible drawdown pension company

This will depend whether existing pension companies offer flexible drawdown and if so, what terms they offer compared to transferring to a new company offering terms that better meet your needs and objectives.  We conduct in depth research, advice and analysis for pension transfer in various types of pension drawdown scheme (for lump sum cash release and/or income when needed).  It will include research and reports on suggested pension portfolio including pension transfer recommendations plus HMRC liaison and including fund sector recommendations and provider/installation and application to completion.  Pension transfer and applications will be handled by us.

Fees are made up of two parts to make up the total fee:

  1. Fixed Fee Element - this is a fixed, flat fee per pension scheme, whether you have £50,000 or £100,000 in a pension fund, the same works and analysis are required to facilitate flexible drawdown.  If you have more than one pension to be converted you will need to ADD and give details of each pension seperately in your basket.
  2. % Risk Fee Element – this is a 'one off' fee based upon the value of the pension fund being converted.  It is representative of the liability that we take on as advisers and the fees that we pay to insurers, ombudsman levies and regulator levies that are based upon the volumes of work that we do.  E.g.  the liability we take on for a £50,000 transfer is much lower than for a £1m transfer, hence a proportionate charge.  The part 2 fee can either be paid direct or from your pension fund.
  3. These are 'ONE OFF' fees.  There is NO ONGOING % adviser charge paid to us, unlike many other advisers who take an ongoing % each year meaning more of your investment and growth stays in your fund.

 


Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Upfront) - £1,056.00
Part 2 : % Risk Fee Element (Completion) - 0.75% of Current Transfer Value CETV (£) e.g. 100,000
2. Non Face to Face Paid On Completion
15% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Completion) - £1,196.80
Part 2 : % Risk Fee Element (Completion) - 0.75% of Current Transfer Value CETV (£) e.g. 100,000
3. Face to Face Paid Upfront
10% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Upfront) - £1,267.20
Part 2 : % Risk Fee Element (Completion) - 0.75% of Current Transfer Value CETV (£) e.g. 100,000
4. Face to Face Paid On Completion
Standard Fee
Part 1 : Fixed Fee Element (Completion) - £1,408.00
Part 2 : % Risk Fee Element (Completion) - 0.75% of Current Transfer Value CETV (£) e.g. 100,000
 
 

1 X Safeguarded Rights Pension Transfer and/or Flexible Drawdown or Full Cash In (UFPLS).

What Are Safeguarded Rights?  Pension schemes that have a monetary unit value are likely to be Company Money Purchase Schemes, Personal Pensions, Stakeholder Pensions, Buy Out Schemes, Group Personal Pensions or other similar but some also have guaranteed rights built in to them such as Guaranteed Annuity Rates or Protected/Higher Tax Free Cash Lump Sums - these are known as Safeguarded Rights.  

  • THIS SERVICE DOES NOT INCLUDE DEFINED BENEFIT, FINAL SALARY, CAREER AVERAGE SALARY or GUARANTEED MINIMUM PENSION (GMP) rights.  We have suspended giving advice on these due to excessive professional insurance costs.

When people are considering giving up guaranteed elements we are required do a full Transfer Value Analysis and cash flow modelling exercise to ensure you will have enough secure income in retirement.

We will gather detailed pension scheme benefits information from your existing scheme trustees.  Conduct a full, FCA (regulatory) prescribed, pension scheme and comparison analysis, where applicable: These are known as an Appropriate Pension Transfer Analysis (APTA) and a Transfer Value Comparator (TVC).  We will conduct an initial review of your pension, secure all information from scheme trustees and establish the feasibility/suitability of the scheme for retention or using Pension Transfers as a solution and then advise whether it is in your interests to transfer or not.  This will include critical yields returns needed, a scheme funding review, scheme rules, revaluation rules whilst 'frozen', increases when pension income being paid, any history of discretionary benefit improvements or not, your health, longevity, marital status, future projected income, expenses, cash flow needs and other overriding factors that may influence the decision to transfer or not.  All documented in a full written report for you.

Pension Scheme Transfer:  We will write to the existing pension provider, research, report and review contract terms and benefits to give our view on its competitive position and compare against others for potential transfer.  Compare pension scheme against others for pension transfer to a lower charged, transparent pension or self-invested personal pension scheme charging structure.  Including transfer application documentation and paperwork for the proposed applications, including implementation to completion and acceptance of terms.  To provide you with the details of all quotations and then undertake all of the paperwork necessary in order for benefits to be placed in a scheme.  To provide you with a confirmatory report of the actions taken, including your own stipulations and the provider chosen for your pension. 

Flexible Drawdown (FD) or Full Cash In (UFPLS):  If the requirement is to also partially encash some of the pension using ad-hoc or regular withdrawals then flexible drawdown will be used.  If you require a cash out of the whole pension fund as an Uncrystallised Fund Pension Lump Sum (UFPLS) then we also deal with this process for you.  Both FD and UFPLS routes will include dealing with HMRC in connection with any withheld taxes and tax refunds in full or in part depending upon your tax position and country of residence.

Fees are made up of two parts to make up the total fee:

  1. Fixed Fee Element - this is a fixed, flat fee per pension scheme, whether you have £50,000 or £100,000 in a pension fund, the same works and analysis are required to facilitate pension analysis and transfer.
  2. % Risk Fee Element – this is a 'one off' fee based upon the value of the pension fund being transferred.  It is representative of the liability that we take on as advisers and the fees that we pay to insurers, ombudsman levies and regulator levies that are based upon the volumes of work that we do.  E.g.  the liability we take on for a £50,000 transfer is much lower than for a £1m transfer, hence a proportionate charge.
  3. These are 'ONE OFF' fees.  There is NO ONGOING % adviser charge paid to us, unlike many other advisers who take an ongoing % each year meaning more of your investment and growth stays in your fund.

Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Upfront) - £1,584.00
Part 2 : % Risk Fee Element (Upfront) - 1.00% of Current Transfer Value CETV (£) e.g. 100,000
2. Non Face to Face Paid On Completion
15% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Completion) - £1,795.20
Part 2 : % Risk Fee Element (Completion) - 1.00% of Current Transfer Value CETV (£) e.g. 100,000
3. Face to Face Paid Upfront
10% Discount Part 1 Fee
Part 1 : Fixed Fee Element (Upfront) - £1,900.80
Part 2 : % Risk Fee Element (Upfront) - 1.00% of Current Transfer Value CETV (£) e.g. 100,000
4. Face to Face Paid On Completion
Standard Fee
Part 1 : Fixed Fee Element (Completion) - £2,112.00
Part 2 : % Risk Fee Element (Completion) - 1.00% of Current Transfer Value CETV (£) e.g. 100,000
 
 

2 X Safeguarded Rights Pension Transfers and/or Flexible Drawdown or Full Cash In (UFPLS).

What Are Safeguarded Rights?  Pension schemes that have a monetary unit value are likely to be Company Money Purchase Schemes, Personal Pensions, Stakeholder Pensions, Buy Out Schemes, Group Personal Pensions or other similar but some also have guaranteed rights built in to them such as Guaranteed Annuity Rates or Protected/Higher Tax Free Cash Lump Sums - these are known as Safeguarded Rights.  

  • THIS SERVICE DOES NOT INCLUDE DEFINED BENEFIT, FINAL SALARY, CAREER AVERAGE SALARY or GUARANTEED MINIMUM PENSION (GMP) rights.  We have suspended giving advice on these due to excessive professional insurance costs.

When people are considering giving up guaranteed elements we are required do a full Transfer Value Analysis and cash flow modelling exercise to ensure you will have enough secure income in retirement.

We will gather detailed pension scheme benefits information from your existing scheme trustees.  Conduct a full, FCA (regulatory) prescribed, pension scheme and comparison analysis, where applicable: These are known as an Appropriate Pension Transfer Analysis (APTA) and a Transfer Value Comparator (TVC).  We will conduct an initial review of your pension, secure all information from scheme trustees and establish the feasibility/suitability of the scheme for retention or using Pension Transfers as a solution and then advise whether it is in your interests to transfer or not.  This will include critical yields returns needed, a scheme funding review, scheme rules, revaluation rules whilst 'frozen', increases when pension income being paid, any history of discretionary benefit improvements or not, your health, longevity, marital status, future projected income, expenses, cash flow needs and other overriding factors that may influence the decision to transfer or not.  All documented in a full written report for you.

Pension Scheme Transfer:  We will write to the existing pension provider, research, report and review contract terms and benefits to give our view on its competitive position and compare against others for potential transfer.  Compare pension scheme against others for pension transfer to a lower charged, transparent pension or self-invested personal pension scheme charging structure.  Including transfer application documentation and paperwork for the proposed applications, including implementation to completion and acceptance of terms.  To provide you with the details of all quotations and then undertake all of the paperwork necessary in order for benefits to be placed in a scheme.  To provide you with a confirmatory report of the actions taken, including your own stipulations and the provider chosen for your pension. 

Flexible Drawdown (FD) or Full Cash In (UFPLS):  If the requirement is to also partially encash some of the pension using ad-hoc or regular withdrawals then flexible drawdown will be used.  If you require a cash out of the whole pension fund as an Uncrystallised Fund Pension Lump Sum (UFPLS) then we also deal with this process for you.  Both FD and UFPLS routes will include dealing with HMRC in connection with any withheld taxes and tax refunds in full or in part depending upon your tax position and country of residence.

Fees are made up of two parts to make up the total fee:

  1. Fixed Fee Element - this is a fixed, flat fee per pension scheme, whether you have £50,000 or £100,000 in a pension fund, the same works and analysis are required to facilitate pension analysis and transfer.
  2. % Risk Fee Element – this is a 'one off' fee based upon the value of the pension fund being transferred.  It is representative of the liability that we take on as advisers and the fees that we pay to insurers, ombudsman levies and regulator levies that are based upon the volumes of work that we do.  E.g.  the liability we take on for a £50,000 transfer is much lower than for a £1m transfer, hence a proportionate charge.
  3. These are 'ONE OFF' fees.  There is NO ONGOING % adviser charge paid to us, unlike many other advisers who take an ongoing % each year meaning more of your investment and growth stays in your fund.

Pricing / Purchase Options

1. Non Face to Face Paid Upfront
25% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Upfront) - £1,584.00
Part 1 : 2nd Scheme Discounted Fixed Fee (Upfront) - £792.00
Part 2 : % Risk Fee (Upfront) - 1.00% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
2. Non Face to Face Paid On Completion
15% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Completion) - £1,795.20
Part 1 : 2nd Scheme Discounted Fixed Fee (Completion) - £897.60
Part 2 : % Risk Fee (Completion) - 1.00% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
3. Face to Face Paid Upfront
10% Discount Part 1 Fee
Part 1 : 1st Scheme Fixed Fee (Upfront) - £1,900.80
Part 1 : 2nd Scheme Discounted Fixed Fee (Upfront) - £950.40
Part 2 : % Risk Fee (Upfront) - 1.00% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
4. Face to Face Paid On Completion
Standard Fee
Part 1 : 1st Scheme Fixed Fee (Completion) - £2,112.00
Part 1 : 2nd Scheme Discounted Fixed Fee (Completion) - £1,056.00
Part 2 : % Risk Fee (Completion) - 1.00% of Current Combined Transfer Values CETV Total (£) e.g. 100,000
 

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