Half an hour to work out whether we can help. You leave with a written proposal setting out what we would do and what it would cost, and no obligation to go further.
Your position analysed in full: pensions, protection, savings, investments, tax efficiencies and inheritance tax, plus a cashflow forecast of your net wealth over time. Recommendations in writing.
Only if you decide to go ahead. Charged on the assets we take on, less what you have already paid for the report.
One annual fee covering the planning, the discretionary management, your reviews and Helix. Tiered by portfolio size.
0.25% for the financial planning, 0.75% for the investment management.
Charged on the whole portfolio, not just the balance above £1m.
Charged on the whole portfolio, not just the balance above £2.5m.
Larger portfolios and family arrangements are priced case by case.
All tiers carry a minimum fee of £3,500 a year. Platform and fund charges are separate: on a £750,000 portfolio in our Defensive strategy those third-party costs typically come to 0.57%.
We built our own platform, so there is no third party taking a cut. Platform charges here run 10-40% lower than on a legacy platform, which on a £1.5m portfolio is a saving of more than £1,000 a year.
Tiered by portfolio size, and it falls as the portfolio grows.
| First £60,000 | 0.27% |
| £60,000 – £100,000 | 0.18% |
| £100,000 – £600,000 | 0.234% |
| £600,000 – £1,200,000 | 0.153% |
| £1,200,000 – £5,000,000 | 0.063% |
| Over £5,000,000 | 0.045% |
Nothing to pay on fund trades. Exchange-traded instruments carry an execution fee, and orders are aggregated wherever possible.
One wrapper charge, on the SIPP only, and we cover the cost of transferring in.
Platform fees are correct as of July 2025 and subject to change. Advice fees are separate and agreed with your adviser. Full terms are in the Helix Value for Money Assessment, available on request.
For a single question rather than an ongoing relationship. Each one is delivered as a written report.
Your goals, cashflow, liquidity, protection, risk profile, pensions and tax structure reviewed in one place, with a road map for getting where you want to be.
A year-by-year forecast of your wealth and spending, stress-tested against inflation, weaker returns and the what-ifs: retiring early, selling the business, gifting to the children.
Your inheritance tax liability calculated, your scope for gifting, and whether the right trusts and beneficiaries are in place.
A detailed analysis of what you already hold: charges, performance, risk and tax structure, with recommendations for any changes.
The cover you need against death or long-term sickness, the gaps in what you hold now, and the trusts that keep any payout out of your estate. Taken as commission or invoiced directly.
A full analysis of your scheme and the implications of moving it, including our reasoning where the advice is to stay put.
Your options for drawing an income or a lump sum, the most tax-efficient order to take them in, and what it means for the people who inherit.
Old schemes reviewed for the benefits worth keeping, then brought into one plan you can see and manage, usually at a lower ongoing cost.
The financial planning, the discretionary management of your portfolio, your reviews, and access to Helix. It splits 0.25% for the planning and 0.75% for the investment management on portfolios up to £1m, and falls from there as the portfolio grows.
It does not cover third-party costs: the platform fee and the charges inside the funds you hold.
Yes, £3,500 a year. On smaller portfolios that minimum is what you pay rather than the percentage, so ongoing advice tends to make sense from around £350,000 upwards. If you are below that, a one-off piece of work is often the better route, and we will say so at the first meeting.
The platform fee and the fund charges, both of which are set out above and neither of which we mark up. As a guide, third-party costs on a £750,000 portfolio in our Defensive strategy typically come to 0.57% a year.
No. The discovery meeting is free and so is the proposal that follows it, which sets out what we would do and exactly what it would cost. Nothing is payable until you accept it.
Yes. A cashflow model, an estate planning report, pension consolidation and the rest are all available on their own, priced above. Plenty of people start there and only move to ongoing advice later, if at all.
Half an hour with an adviser, and a written proposal with the cost in it before you decide anything.
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