If you’re in the accumulation stage of your life, where tax planning is unlikely to be as beneficial as goals-based financial planning, you will benefit from our Core Planning service.
The first step in our journey is to build a financial plan that covers your values, goals, aspirations and objectives. Alongside this, we’ll also build a cashflow forecast to show your current situation.
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.
| 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 |
| 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 |
Once you’ve received your recommendation report, you may want our help to set up your plan. Charges for the implementation are set out below:
| Service | Cost (per plan) |
| Transfer of existing arrangements (pension, ISA, etc.) electronically | £400 |
| Transfer of existing arrangements via paper documentation | £600 |
| Set up of a new policy (pension, ISA) with an electronic provider | £200 |
| Set up of a new policy with a non-electronic provider | £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 deposit | £400 |
The ongoing charges for our Core Planning service are based on the number of hours we expect to spend working on the above 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.
The service includes:
A typical Core Planning client is likely to need between 6 and 8 hours of work. At £150 an hour, this would equate to between £900 and £1,200.
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!
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.
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.
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.
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.
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