Our Fee Philosophy
We believe great advice should come with clarity, fairness, and no surprises.
Most clients choose our Wealth Management Solution — a comprehensive, ongoing service that includes investment advice, tax and estate planning, and broader financial guidance. The minimum investment is £300,000, and there’s no upfront fee—just a transparent ongoing charge.
This approach keeps our interests aligned: if we’re not adding value, you’re free to leave with just one month’s notice. No exit fees, no hidden costs.
We also keep overall costs low by using passive funds and carefully selected platforms.
If you’re looking for help with a specific issue rather than an ongoing relationship, we’ll agree a fixed fee before we start. Occasionally, we charge by the hour.
Our fees
Wealth Management
- Initial portfolio set-up fee - nil
- Ongoing annual fee
| Portfolio value | Annual fee (payable monthly) |
|---|---|
| Less than £300,000 | £3,000 fixed fee |
| £300,000 - £1m | 1% of assets under advice |
| £1m - £2m | 0.5% of assets under advice |
| £2m + | 0.3% of assets under advice |
The fee is payable on the value of each tranche, so a client with a portfolio of £1.5m would pay £12,500 p.a.
What’s included:
- Initial financial planning report
- Individually tailored portfolio
- Fund recommendations
- Basic tax and trust advice and recommendations
- Setting up portfolio, including realising or re-registering existing investments
- Ongoing portfolio monitoring, valuations and recommendations
- Provision of tax statements where appropriate
- Meetings as required
- Annual update report
And what’s not included:
- Corporate advice - we will usually quote a fixed fee for a specific project
- Flexible Access Drawdown – an additional fee of 1% of pension fund value is made on entry to FAD
- SIPP Property purchase – charged at our hourly rate
- Complex tax and trust advice and recommendations – charged at our hourly rate
- Implementation of non-investment recommendations (i.e. protection policies)
-
Transfers from defined benefit schemes - reflecting the complex and irreversible nature of advice in this area we use a third party specialist firm to carry out the analysis on our behalf. We pass on their fees directly.
One-Off Financial Planning
If you don’t need ongoing advice, we offer a standalone financial planning service. You’ll get a clear, well-structured plan with tailored recommendations—backed by a cashflow model that shows how your decisions could play out over time.
It’s a great way to gain clarity and confidence, without committing to a long-term relationship
Hourly Rates
| Director | £275/hour |
| Chartered Wealth Manager | £200/hour |
| Financial Planner/Wealth Manager | £150/hour |
| Administration | £70/hour |
How do our fees compare?
According to the FCA, the average financial adviser charges around 2.4% upfront. At Chadwicks, we charge nothing for clients investing £300,000 or more.
Our ongoing fee for portfolios under £1 million is slightly above the industry average of 0.8%, but thanks to our use of low-cost funds and efficient platforms, the total cost of investing with us is typically around 20% lower.
In short: we’re competitively priced. You might find cheaper advice — but we believe you won’t find better value