How We Work
Our approach is inclusive, empathetic, and entirely personal. We take time to understand your priorities, ease any stress or uncertainty, and build financial plans that give you clarity today and reassurance for the future.
In Person or Online
We deliver advice either face to face or online (via Teams or Zoom). How we work together will always reflect your preferences, communication needs and any access requirements.
Apply for an initial call
To make sure we offer you the right support, we start with a short set of questions to understand your situation and what you’re looking for.
Because we offer a personal service and give each client the time they deserve, we manage a limited number of enquiries at a time. Once your responses are submitted, Catriona will review them personally and be in touch within 24 hours either to confirm that she’s the right fit or recommend someone better placed to help.
Apply for an initial call
Fees
As a regulated financial adviser, my fees are based on the time it takes to provide the initial advice, the complexity of your situation and the expertise and responsibility involved. We record all time spent on different tasks for clients and from our years of experience we can work out how long it should take the different members of our team to complete their tasks for an advice project. We quote fixed fees for initial financial plans to clients.
I will always tell you if I don’t believe you will receive sufficient value from engaging with me to provide a comprehensive financial planning service.
Initial advice and Financial Plan
Financial plan and modelling fee £4,250.
This includes detailed analysis of your projected lifetime cash flow, analysis of your existing financial arrangements and the creation of our recommendation report.
Implementation
If you would like us to implement any recommendations that we make to you, we charge a one-off fee of 1% of the asset value implemented, subject to a minimum charge of £900.
For the initial financial plan and implementation, we levy a cap on these combined fees of a maximum of £25,000.
Ongoing management service
Minimum fee is £2,250 per annum and lighter touch service also in place for lower value assets
These fees are tiered, based on the level of your invested assets under our advice, as follows:
- 1% up to £800,000,
- 0.75% between £800,000- £1.5m
- 0.5% £1.5m +
Book an Appointment
For clients that do not require formal advice but need more than a 15 minute Initial Chat to discuss a situation or receive some guidance I offer my time via a 30-minute call for £75 or a 60-minute call for £175. If you prefer a face to face home visit, the typical fee for this is £250.
60 minute call
£175
The cost of the call is payable at the time of booking. Many clients have said these calls are useful to have time to discuss their situations and be guided to other services or other professionals for legal advice or care provision because not all clients need formal financial advice but they appreciate a professional to discuss their situation with.
