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Holistic Financial Planning

Following our robust financial planning process, we get to know you and understand your financial and life goals as they go hand-in-hand.

Our comprehensive financial and wealth planning service is a four-stage process with collaboration at every stage. Unlike a lot of firms, we like to be open and honest about our fees, so below you'll find a clear overview of our process and associated charges.

Our promise to you...

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We'll create a bespoke strategy designed to achieve your financial objectives

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We'll give you peace of mind that comes from knowing where you are now and where you are heading

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We'll be pro active and provide honest advice to you

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We'll deliver a holistic approach to your goals and objectives

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We'll give prompt responses to your questions that are jargon free and in plain English

The Process

By tapping into our expertise, you can benefit from robust cashflow planning, a service not offered by all private banks. This entails considering your current assets, investments, streams of income and aspirations, we research suitable investment solutions and make unbiased and unrestricted recommendations so you can work towards your financial and personal goals in the most tax efficient way possible.

Conversation

Stage 1

Initial Conversation

A conversation with one of our financial planners costs nothing; it's the best way to see if we're a good fit for each other.

This can be by a phone or video call or you can come to one of our offices.

FREE

Research

Stage 2

Financial Planning - Including Cashflow Forecasting

We'll explain how we can assist in achieving your financial goals, gather information about your current financial situation and run through various scenarios.

Research & planning:

  • Bespoke cashflow planning & forecasts
  • Determine your attitude to risk to help us make appropriate investment recommendations
  • Comprehensive investment research based on your risk profile
  • A review of tax efficiencies, estate and protection planning

Recommendation:

  • We'll illustrate a number of outcomes based on different investment and tax planning scenarios
  • We'll discuss the most appropriate investments which will halp you achieve your financial goals in the most efficient way
  • Recommendations on investments, pension contributions, estate and protection planning and utilising and tax allowances

£2,500

Only Payable if you do not proceed with our implementation service

Implementation

Stage 3

Implementation

The first £400,000 of new assets under advice are charged at 3%, after which the remaining funds are charged at 0.5%. Subject to a minimum fee of £2,500

Once we have agreed your personalised financial strategy and investment plan, we'll get to work setting everything up for you.

Implementation includes:

  • Negotiated preferential rates with asset managers and platforms
  • Unrestricted access to investment opportunities from the world's largest funds to boutique investment managers
  • Private equity opportunities through investment structures such as EIS, VCTs and Business relief (BR) to help reduce tax liability

3%

On the first £400,000

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0.5%

On funds over £400,000

Ongoing

Stage 4

Ongoing Service

Our ongoing service ensures that you stay on the right track. We'll conduct an annual suitably review with you to make sure your plan is still in-line with your goals and objectives.

Ongoing service includes:

  • Direct access to our team of qualified financial advisers and support team
  • Annual Suitability Review & Cashflow plan
  • Annual documentation and Statements from providers
  • Access to our Personal Finance Portal (PFP)
  • Benefit from our Guardian service - allowing us to collaborate with your accountant and solicitor (T's & C's apply)

0.5%

Subject to a minimum fee of £2,000 per year

Our Fee Calculator

Unlike most firms we like to be open and honest about our fees.

You can use our handy calculator below to get a good idea of what we may charge you.

Fee calculator

Frequently Asked Questions

Do you charge exit fees?

A question we’re often asked is, ‘Do we charge exit fees?’

The simple answer is ‘No’. We’re so confident that once you start working with us, the benefits of having us by your side means you’ll want to remain a client, our client retention rate is testament to this.

Try comparing us to other IFAs and you’ll find it’s very difficult, as from the research we’ve done, most are very vague when it come to their fees. You can be confident when choosing us that you know exactly what our fees will be before we start working together.

How are the fees paid?

You may pay our charges via deductions from the financial product(s) that you might invest in, where the product/platform provider allows this.

Where the value of your investments rises, then the fees for our ongoing service will increase, conversely, if the value of your investments falls, the cost of this service will decrease.

Does Herbert & Webster hold any of your money?

We are not permitted to handle client money and we cannot accept a cheque made out to us (unless it is in respect of an item for which we have sent you an invoice) or handle cash.

Contact us.

An initial chat costs nothing...

Book your free initial conversation to discuss your current financial situation and aspirations to see if we're a good fit for you.

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