You will always know our fees before you make a decision to proceed. We have a transparent charging structure so there are no unexpected fees.

Our fees are based wholly upon:

  • The provision of our qualified and professional expertise
  • The time taken to analyse your circumstances and to devise an appropriate strategy going forward
  • The composition of appropriate reports to communicate our strategy to you
  • Our exposure to regulatory, commercial and financial risk

In order to produce Your Financial Plan, we will charge you a fixed fee of £2,000.

Your Financial Plan is a detailed review of every aspect of your financial position. Our main areas of focus are mortgage arrangements, income protection, protection, pensions, savings, investments, tax position, trusts and general insurance. Your Financial Plan will also include:

  • Lifetime Cashflow Modelling
  • Psychometric Risk Profiling
  • Personal Investment Plan
  • Portfolio Diagnostics
  • Protection Review

Your Financial Plan will typically include a set of recommendations to implement.

Our charge for this service is based on the amount you invest and/or transfer, together with the complexity of the advice undertaken.

As an approximation, our fees could be calculated by reference to a 1.0% initial charge percentage; however, we are happy to work on a fixed project fee once we understand your needs.

  • Example 1:  If we were to devise a financial plan and provide advice on a standard investment portfolio of £350,000, the implementation fee (which is in addition to the Financial Plan fee of £2,000) is likely to be in the region of £3,500.
  • Example 2: For a more complex or diverse portfolio valued at £700,000, containing esoteric or high-risk strategies, the implementation fee (which is in addition to the Financial Plan fee of £2,000) may be in the region of £7,000.

Our implementation costs also apply if you wish to invest on a monthly basis.  We will charge a flat fee of £500 for setting up a regular premium.

  • Example: if we set up a regular premium ISA for 1,000pm, the implementation fee of £500 could be paid in full at outset; or via a deduction of £41.66pm over 12 months.

Whether you have a sizeable and complex portfolio of products, or one or two modest investments, it’s important to consider how these should be managed going forward.

We can provide an ongoing service designed to expertly maintain and monitor your portfolio. This ensures that your objectives and attitude to risk are correctly aligned with your holdings over an extended period of time.

Our Ongoing Management Service will provide:

  • A face-to-face, web-based or telephone review meeting at least annually to review your plan
  • Access to your adviser by telephone at all times
  • An annual rebalancing of your portfolio, if required
  • An annual valuation
  • Access to our Online Portal with access to your financial assets including secure document storage

Our typical fee is 0.75% per annum.

  • Example: At £1,000,000, the annual cost of ongoing management would be £7,500.

If you’d like to learn more about our fees, you can find more information in our Service Charter. Click below to download.

Download our Service Charter

What our clients say

This company has provided me with expert financial advice and support. Without them, I wouldn't enjoy the happy retirement I am now experiencing. I may also say that the whole process has been - dare I say it – fun!

Mandy, Cannes

A client since 2005

We have been extremely satisfied with the advice we have received from Higgins Fairbairn and would thoroughly recommend them.

Steve, Ascot

A client since 2006

A very sound business who knows what they are talking about and deliver advice succinctly with knowledge.

Dr A., Pinner

A client since 2003

Higgins Fairbairn really takes the time to understand our financial goals, put together a clear strategy while anticipating future requirements and reliably look after the whole process. All this in a knowledgeable and friendly manner.

Nikki, High Wycombe

A client since 2012

Gp has been very helpful in reviewing our finances and making great recommendations on investments and other financial matters. I would not hesitate to recommend him.

Mrs D, St Albans

A client since 2015

Higgins Fairbairn have been providing a quality service to me for many years. In all those years, I’ve never felt or needed to look elsewhere.

Robert, Stourbridge

A client since 2006

We have been with Higgins Fairbairn for over 30 years, during which our lives and circumstances have required professional financial advice which took account of our particular needs and wishes. This was always provided in a friendly, supportive and empathetic manner, which we have much appreciated and come to depend on. It has been a great benefit to have a company like Higgins Fairbairn, who are accessible and reliable, to look after many vital aspects of our affairs.

Mrs and Mrs F, London

Clients since 2006

My wife had very complicated pension arrangements which were sorted out with doggedness, patience and skill.

Arthur, London

A client since 2007

Decisions about retiring early were made easier after consultation with Mr Mantini. He answered all questions in a straightforward manner and inspired confidence in his knowledge of options available to me.

Ms A, London

A client since 2015

As a retired person, I appreciate the advice Higgins Fairbairn give me which fills me with confidence for the future and leaves me relaxed about my financial affairs.

Mr P, Barnet

A client since 2007

Higgins Fairbairn offers a personal and informed service to its clients in an environment of confidentiality and tailoring to the needs of the individual. Staff know their brief and execute it well.

Jane, London

A client since 2010

We have always found that Gp and his team have given us an excellent service and have gone to great lengths to understand our personal circumstances and needs.

Mr O, London

A client since 2008

Over the last 25 years, the Higgins Fairbairn team have always been there for me. They are outstanding in their knowledge and helpfulness.

Sue, London

A client since 2005