Our fee philosophy

Clarity, fairness and no surprises

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We believe great advice should come with clarity, fairness, and no surprises. Our fees are simple transparent and designed to keep our interests aligned with yours.

Our fee philosophy Norwich

Whether you’re seeking a comprehensive, long‑term wealth management service or simply need clear advice on a specific transaction, our fees are transparent, fair, and designed to offer genuine value.

Why we charge the way we do

Our philosophy is built on independence. We don’t earn commissions or incentives for recommending specific products – so our only focus is delivering advice that serves your best interests.

By keeping our structure transparent, you always know what you’re paying and what you’re getting in return.

We also keep overall costs low by using passive funds and carefully selected investment platforms which offer efficiency without compromising quality.

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.

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Our wealth management solution

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 £500,000, and there’s no upfront fee – just a transparent ongoing charge.

This approach keeps things simple: after the first 12 months, if we’re not adding value, you’re free to leave with just one month’s notice. No exit fees, no hidden costs. Just straightforward, independent advice you can trust.

Wealth management fees

Our fees are charged on your portfolio value

  • Initial portfolio set-up fee – nil
  • Ongoing annual fee
  • Bespoke fee for smaller portfolios or non-standard mandates
  • Less than £500,000 see Non-standard Advice Services below
  • Up to £1m 1% of assets under advice
  • £1m - £3m 0.5% of assets under advice
  • £3m + 0.3% of assets under advice

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.

What’s not included

  • Corporate advice – we will usually quote a fixed fee for a specific project.
  • Flexible Access Drawdown (i.e. drawing from your pension) – 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.

Non-Standard Advice Services

Advice Outside Our Ongoing Service

Our ongoing Wealth Management Service is designed to meet the needs of the vast majority of our clients and represents the most cost-effective way of working with us. Occasionally, however, a client’s circumstances may mean that this service is not the most appropriate option, for example where assets fall below our minimum thresholds or where a specific piece of advice is required.

In these cases, we will discuss your requirements with you and provide a fixed fee wherever possible. If the scope of work cannot be reasonably determined in advance, we may instead charge on a time-cost basis using the hourly rates set out below. We will always explain the basis of our charges before any work begins.

  • Director £350 /hour
  • Chartered Wealth Manager £275 /hour
  • Financial Planner/Wealth Manager £200 /hour
  • Administration £75 /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 £500,000 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 

Interested to find out more? Let's start a conversation