Paying for our service

We charge fees for the professional financial planning services we provide, covering:

  • Comprehensive Financial Planning advice
  • Implementation of agreed recommendations & products
  • Ongoing financial planning, review and support (where selected)

Fees may be paid directly to Beyond Finance or, where appropriate, deducted from your investments. All fees will be explained and agreed in advance, and we will confirm whether VAT applies.

Our Financial Planning Service

We provide a comprehensive financial planning service tailored to your individual circumstances.

Your first meeting will be provided at no cost and aims to help us understand your circumstances and objectives and explain our services and costs to you.

Where you choose to engage our services, this will typically include:

  • Ongoing financial planning, review and support
  • Review of your personal and financial position, objectives and priorities
  • Creation of a financial model, to consider your capital and cashflow position into the future, as well as undertaking analysis of your assets
  • Creating a personalised financial plan and strategy, including tax planning and asset management.
  • Implementation of agreed recommendations, including investment and product solutions

Ongoing Service and Reviews

Our ongoing service helps ensure your financial plan and investments remain suitable and aligned with your objectives. This includes:

  • At least one formal review each year, held in our office or remotely
  • Ongoing monitoring of your financial plan and investments
  • Consideration of changes in legislation, taxation and the economic environment
  • Ongoing support, provider liaison and recommendations for changes where appropriate

The frequency and scope of reviews may vary, depending on your circumstances.

Typical Service Charges

  • Comprehensive Financial Planning – £1,500 + VAT
  • Annual Financial Planning Review – £750 + VAT
  • New Investment Portfolio Service – £1,000 + VAT
  • New Personal Pension – £750 (VAT exempt)
  • New Trust Arrangement with Investment Portfolio – £1,500 + VAT

Fees depend on complexity and will be agreed before work begins. Fees for pension or investment consolidation will be agreed on a case-by-case basis.

Investment Charges (Ongoing Service)

0.7% per annum ongoing adviser fee – VAT exempt or subject to VAT (depending on the investment portfolio)

This fee covers the ongoing advice, monitoring and management of your investment portfolio, including regular reviews and recommendations to ensure it remains suitable for your objectives. The fee is calculated as a percentage of the value of your investments and will rise or fall in line with their value. Full details of all investment-related costs will be provided in advance through illustrations and suitability reports.