Financial Advice Fees

Independent financial advice that works for you.

Transparent fees. Whole-of-market planning.
Team-based across Scotland.

Financial Advice Fees. How much does it cost?

Financial advisers in the UK typically charge for investment and pension advice in one of several ways.

The most common approach is a percentage-based fee on the amount you invest or transfer, usually ranging from 1% to 3%, depending on the size of your investment. Many advisers charge an additional annual fee, typically between 0.5% and 1% per year for ongoing support with regular reviews and advice. This is often more appropriate for once you have built up significant amount of savings and investments.

Alternatively, some advisers work on an hourly rate or agree a fixed fee for their services, or a combination of these charging methods to suit different client needs.

Whatever the fee structure, your adviser will agree all charges with you in advance and will only apply them with your explicit consent. Fees are normally deducted directly from your investment or pension fund.

Since 2013, financial advisers have been prohibited from receiving commissions from investment or pension providers when recommending their products. This means your adviser is paid solely by you, helping to ensure their advice is neutral and in your best interests. More details on understanding fees can be found on the Money Helper website.

AC Wealth Services Financial Advice Scotland

Our Fees

Before starting any aspect of our work, we will explain and agree the services you would like us to deliver. Once this is agreed, we will confirm our fees.

We will enter into a fee agreement with you. In many cases, our fees may be taken directly from your investments or your investment income. We will discuss with you whether or not this is tax efficient and appropriate for your circumstances.

For the provision of our financial planning and investment advice services, you can choose how you pay for these services from several options.

The payment options available to you vary according to the different product types.

Where you receive ongoing advice about an investment or pension product, we will agree a fee, commonly known as an adviser charge. If VAT is payable, you will be sent an invoice on completion of the work done for any charges due.

Initial Advice Fee

The initial advice work is based on a tiered charging structure, based on a percentage of your portfolio value.

For portfolios of £150,000 and under, you will be charged at 2.5% of the value of your portfolio.

Anything above this will be charged at 0.5%, up to the maximum of £12,000.

This charge is usually remitted to us directly from your provider, as a deduction from your portfolio, unless agreed otherwise. If you have any questions about our fees, please get in touch with our team.

Ongoing Service Fee

Should you decide to take advantage of our ongoing service proposition, this will be charged at 0.75% per annum for our Wealth Management service.

This charge is usually remitted to us directly from your provider, as a deduction from your portfolio, unless agreed otherwise.

Our Wealth Management service includes: ongoing support from your financial planner and support team, a full annual review meeting as a minimum, cashflow modelling, portfolio valuation and analysis, and regular, bespoke communications.

Ongoing Service options

Ongoing access to your Financial Planner

Annual meetings with your Financial Planner

Annual portfolio valuation and analysis

Cashflow modelling

Monthly email newsletters

Review of tax & regulatory changes

Ongoing charge

Wealth Management

0.75%

We also offer additional services which will be priced on application and agreed with you before any work is undertaken. Example of services and typical charges are as follows:

Ad Hoc Service

Pension Analysis

Trust Set Up

Estate Planning

Typical Fee

From £2,500

From £3,000

From £5,000

AC Wealth has a team of financial experts at our offices across Scotland that can meet your financial planning needs, and will supply you with a bespoke quote for any ad hoc services you may require. Please talk to your Financial Planner about any other service not listed.

Our people

We have a great team of qualified professionals available to support you with your plans. We are always keen to hear from anyone who might be interested in joining our team. Find out more here.

Joyce Duguid Employee Benefits Admin Manager AC Wealth

Meet the Team

Expert Guidance for Your Investment Journey

Our Financial Planners create bespoke investment portfolios aligned with your individual situation. We regularly review and adjust your strategy to ensure it remains effective as markets evolve and your circumstances change.

Contact our investment experts today, to review any financial or investment questions you might have. We can provide you with a personalised financial plan that puts your financial goals within reach, with our team supporting you in the process.