Choose clarity with
fixed fees
Know exactly what your financial advice will cost before any work begins, with a clear fee based on the work involved rather than the value of your investments.
Fixed fee financial advice, priced fairly
You should know what you are paying, what the fee covers and how it has been calculated before any work begins.
Your Financial MasterPlan is quoted as a fixed fee based on the planning involved. If you continue with us, your ongoing fee reflects the service, complexity and support you need. For smaller portfolios, a percentage charge can sometimes cost less, and we will explain the options clearly.
For a clearer view of what your fee covers, explore our four-stage client journey.
A fairer way to charge
Fees based on advice, not portfolio size
Unlike percentage-based charging, our fees are linked to the service you receive and the complexity of your circumstances, rather than automatically increasing as your investments grow.
Transparent Pricing
Straightforward fixed fees
Fees are set to be fair and easy to anticipate, so the cost of advice never gets in the way of planning ahead.
Financial MasterPlan
A full plan written around your life - the document that shows you where you are heading and how you get there.
- Full financial analysis
- Detailed cashflow modelling
- Tax-efficient structuring
- Investment strategy
- Clear action plan
Ongoing Service
Continuing planning and coaching sits in one of three bands, chosen by the value added, the complexity involved and the time it takes.
Smaller portfolios sometimes cost less under a percentage charge. Where that is the case for you, the choice is yours to make.
Look at the numbers yourself
A short look at how fixed fees stack up against the traditional percentage-based charging model over time.
What fixed fees give you
No surprises
You see the number before any work starts. It is put in writing and it stays where it is.
Aligned interests
Our income comes from the planning we do, not the size of your pot. No commission sits behind our advice.
Save significantly
Over a long planning life, a fixed fee can cost substantially less than a percentage charge.
Fair for everyone
At £500k or £3m, the charge reflects the service you receive rather than a slice of your wealth.
Illustrative comparison of ongoing advice fees
Fixed fees vs percentage fees
How fixed and percentage-based ongoing advice fees can differ over time while your investments remain under advice.
This illustration compares ongoing advice fees only. It excludes Financial MasterPlan fees, implementation costs, platform charges and underlying fund charges.
*Ongoing advice-fee illustration from the comparison video only. It assumes £500,000 remains invested for 25 years and grows by 3% a year above inflation. Both ongoing fee options start at £3,750: the percentage fee is 0.75% and rises with the portfolio, while the fixed fee increases in line with the assumed UK long-term inflation target. Financial MasterPlan, implementation, platform and underlying fund charges are excluded. This is not a forecast or a statement of the fee that will apply to you.
What our clients say
Frequently asked questions
Why do you use fixed fees rather than percentages?
Most UK financial advisers and wealth managers charge a percentage of the assets they advise on. We believe the fee should instead reflect the service delivered, the value added, the complexity involved and the time required. For most clients that makes a fixed fee the better fit, although a percentage option remains available where it is cheaper for a smaller portfolio.
What does the Financial MasterPlan fee cover?
Your MasterPlan starts with a full review of where you stand today, then builds out cashflow modelling, tax-efficient structuring, an investment strategy, retirement projections and a plain-English list of next steps. Think of it as the whole picture in one document.
How much could I save with fixed fees?
The illustration in our video starts with £500,000 invested for 25 years and assumes growth of 3% a year above inflation. Both options start at £3,750: the percentage fee is 0.75% and rises with the portfolio, while the fixed fee rises with the UK long-term inflation target. On those assumptions, the fixed-fee client finishes with just over £40,000 more. This is an illustration, not a forecast; we will show you the figures for your own situation.
When might percentage fees be cheaper?
They sometimes are where a portfolio is smaller. If that is true in your case, we will say so plainly and give you the choice rather than steer you towards the option that suits us.
Is there a charge for the first meeting?
None at all - we cover it. That conversation is there so we can hear about your circumstances and what you want from life, and so both of us can judge whether our help is genuinely worth having before anything is agreed.
What decides which price band applies to me?
Three things: the value we expect to add, how involved your affairs are, and the time your plan will take to run properly each year. We talk it through openly and settle the figure in writing before we start.
Begin your financial journey with rockwealth Leeds
Your first meeting is at our cost. We'll listen, understand your goals and explain whether we can help, with no pressure and no obligation.
