Pricing

Simple and fair.

The Value Of Advice

More wealth

Research from the International Longevity Centre – UK found that those who received financial advice in the 2001-2007 period had accumulated significantly more financial assets and pension wealth by 2012-2014 than people who did not get advice.

In fact, the group classed as ‘affluent’ in the survey and who had taken advice had 16% more in pension wealth at the end of this period.

Higher retirement income

According to a survey by YouGov for Old Mutual Wealth People in retirement who take advice tend to have an annual income of £9,598 more than those who don’t.

Adviser Alpha​

Major investment firm Vanguard have produced a white paper called ‘Adviser’s Alpha’ which outlines the difference between the return that investors might achieve with an adviser and the return they might have achieved on their own.

There are 7 key areas where advisers add value and Vanguard’s research shows that over time this all adds up to around an extra 3% per year net returns for clients on top of what they might have achieved on their own.

In reality, this does not mean a straightforward 3% every year as some years the value added through advice will be larger and some years the value added will be less depending on what stage of life you are at.

Our Fees

Initial Meeting

No cost to you. Offered at our expense.

Financial Review and Financial Plan

A fixed fee of £497 – £997 depending on the level of work involved. The actual fee will be confirmed to you before any work is undertaken.

Implementation

Your Financial Plan will usually include recommendations for specific investment and/or pension solutions. For implementing these solutions we will charge 1% of the amount of money you invest through RTS Financial Planning up to a fixed amount. For example, if you invested a lump sum of £100,000, our implementation fee would be £1,000.

Ongoing advice and service

Our Comprehensive Financial Planning Review Service includes the following for every client:

  • At least one annual face-to-face meeting with your Chartered Financial Planner, to review your circumstances.
  • A full review of your investment portfolio and the strategies used.
  • A second opinion to prevent you doing the wrong thing, at the wrong time, for the wrong reason.
  • Access to your Chartered Financial Planner and team during business hours to raise any questions you may have.
  • Information and updates regarding changes to legislation that may affect you including the ongoing use of tax planning opportunities.
  • An annual summary setting out the outcome of your review with confirmation of any recommended changes.
  • Liaison with your other professional advisers, including solicitors and accountants.

Our ongoing advice and service fee is 1% per annum up to a fixed amount. For example, if you invested £200,000 our ongoing advice and service fee would be £2,000 per annum.

There is no tie in period and no penalties to cancel our service.

Please note VAT is not chargeable on any fee.

More details can be found in our Client Agreement which can be downloaded here.

Client Reviews

Reviews and Ratings for Financial adviser Carl Roberts, Milton-Keynes

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News & Views

Latest investment market commentary, financial planning tips and insights. We publish a new article every week.
115% Tax Relief

115% Tax Relief

It really is possible to get more money back in tax relief than what you put into a pension.   There are a few ways you can ‘play’ the system and be super tax efficient especially using all the allowances available to you as a family.   Here are a few examples where...

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When To Sell An Investment

When To Sell An Investment

When to sell an investment is just as important as when to buy an investment.   Remember you don’t make or lose anything when you buy an investment. You make a gain or loss when you sell.   Have you seen large rises in the value of your investment in the last year or...

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Awards

It’s a privilege to serve our clients and we’re proud to be recognised for the work we do.
SME Finalist, RP Finalist, Next Generation Advisers, Money Age Award

Memberships

We go above and beyond to maintain the highest standards and professionalism.

Chartered Financial Planner, DAUK, Personal Finance Society

Supporting

We are delighted to help our designated charities in whatever ways we can.

Milton Keynes Hospital Charity

Media

We are proud to feature in…