Holistic planning

Holistic planning

Your guide to our fees

Our Holistic Planning service offers both Core Planning and Wealth Management in one. So, we follow a hybrid charging model that covers all the ongoing support you’ll need to meet your financial goals.

It’s suitable for people who want both financial planning and tax planning advice, and/or anyone who wants access to our investment portfolios. It’s also required for anyone taking an income from portfolios in retirement, since this involves both financial planning and wealth management support.

The charge for this service is broken into three parts, explained below.

Chartered Financial Planner

What does “Chartered Financial Planner” mean?

Chartered status is awarded by the Chartered Insurance Institute (CII) and is considered the “gold standard” financial planning accreditation. Chartered status is a symbol of technical competence and signifies a public commitment to upholding professional standards and adhering to a professional Code of Ethics.
Holistic planning

Part 1: Initial fees

A basic fee of £1,000, with additional costs based on the number of policies or investments being reviewed or researched.

We’ll pull everything together into a clear, detailed report that brings your financial plan to life. It takes into account your risk profile, savings, investments and protection policies, and how well they’re all working for you right now. We’ll also highlight any gaps or issues, and look at where the funding for any changes might come from.

The report will recommend a comprehensive list of any policies, plans, or changes that need to be made to meet your objectives. It will also include an updated version of the cashflow forecast to show your position after the implementation of the recommendations.

Financial planning report – Review Costs

Review Cost (per plan)
Review of a pension plan £300
Review of an investment account (ISA, GIA etc.) £200
Review of a protection policy £250
Research Cost
Platform research £100
Off-platform research (e.g., personal pensions) £200
SIPP/SSAS research £300
Protection policy research £300
Structured product research (includes up to two products researched at once) £500
VCT/EIS/SEIS business relief research (includes up to two products researched at once) £1,000

Financial planning report – Implementation Costs

Service Cost (per plan)
Transfer of existing arrangement (Pension, ISA etc) via electronic means (Origo, Altis) £400
Transfer of existing arrangement (Pension, ISA etc) via paper documentation £600
Set up of new policy (Pension, ISA) with an electronic provider £200
Set up of new policy (Pension, ISA) with a non-electronic provider £400
Set up of a new protection policy £400*
Set up of a new VCT or EIS £1,000
Establishing a policy in trust (e.g. Investment Bond) £1,000
Set up of a new Structured Product or Structured Deposit £400

*Where protection providers pay Arboretum a commission for the policy, this will be discounted from the overall cost (even if other products make up the total charge)

Other Services Cost
Additional cashflow model scenarios £400
Holistic planning

Part 2: Ongoing financial planning charges

The ongoing charges for financial planning are based on the number of hours we expect to spend working on these services on your behalf. This is calculated based on an hourly rate of £150 per hour.

However, this can be adjusted if the standard complexity levels don’t fit with your exact circumstances. We’ll review this charge annually to ensure it’s still suitable, but bear in mind that it may be amended if the complexity of your circumstances change.

This portion of the fee covers:

  • Annual planning meeting with your adviser
  • Full review of your financial plan, including up-to-date cash flow models and issuance of updated financial plans
  • Review and assessment of your financial circumstances and suitability of your arrangements
  • Online access to investment valuations
  • Liaison with your other professional advisers as required
  • Access to your adviser and/or support team at any time between planning meetings
  • Top-ups, withdrawals (excluding pensions), or amendments to regular contributions or withdrawals

As an example…

A client with £350,000 of assets under management (AUM) with typical arrangements would be likely to require approximately 16 hours of work. At £150 per hour, this would equate to £2,400 per annum.

Holistic planning

Part 3: Ongoing wealth management charges

The ongoing charge for wealth management is a flat rate of 0.3% per annum of all assets under management (AUM).

This portion of the fee covers:

  • Regular review of investments and asset allocation to ensure alignment with long-term financial goals
  • Estate planning
  • Assessment of investment structures for optimal tax efficiency
  • Access to the Arboretum Client Portfolios, along with periodic updates and rebalancing of portfolios to maintain alignment with objectives

As an example…

At 0.3% of the assets under management (AUM), a client with £350,000 would pay an additional £1,050 per annum. Coupled with the ongoing financial planning charges detailed above, this would bring total ongoing costs to £3,450 per annum.

In their own words

What trust looks like to our clients

Andy

It is a real weight off our minds to know that someone who knows what they are talking about is looking after the financial side of things. Tom’s encouragement that we can afford to take lots of holidays is a big win!

Read Andy's story

Jess

Working with Tom has given me confidence in investing, and I'm very happy with the performance of his recommendations. Instead of feeling lost or daunted I am supported and confident. You can't put a price on that.

Read Jess's story

Jonathan

Tom firstly helped me vocalise what my goals were and then reviewed my portfolio. He provided expert advice on where I could maximise my investments and put it in terms I could understand.

Read Jonathan's story

Linus

I can't recommend Tom of Arboretum enough. He has been instrumental in getting a clear view of mine and my wife's short, medium and long term plans in life and how we can achieve them.

Read Linus's story
Extra support

Resources

Good financial planning doesn’t stop after a single conversation. We’ve got plenty of additional resources to support you all year round in the form of bite-sized articles and regular investment updates.

View all resources

Stay in the know

Reach out

Let’s chat about you

01977 330 131

    Arboretum Financial Planning Limited is an Appointed Representative of ValidPath Limited, which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107. Arboretum Financial Planning Limted is entered on the Financial Services Register https://register.fca.org.uk/ under reference: 1024351. Arboretum Financial Planning Limited is a limted company registered in England and Wales, company number 16043303. Registered address: 1 The Paddocks, Great North Road, Darrington, Pontefract, North Yorkshire, WF8 3HS.

    The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

    This website is for information purposes only and does not constitute financial advice, which should be based upon your individual circumstances.

     

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