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.
How To Invest When Inflation Rises

How To Invest When Inflation Rises

As the global economy begins to recover from the impact of Covid-19 it’s inflation rises that are starting to worry investors.   Whilst steady moderate inflation is associated with economic growth, rapidly rising inflation could mean the economy overheats.  This could...

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Ethical Investing

Ethical Investing

Last week we wrote about how by investing into funds or a shares in a company, you have the power to influence them and this week we take it a step further with ethical investing.   There is now so much choice out there in terms of picking investments that fit with...

read more

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…