How much does a financial adviser cost?
I publish my charges here, in pounds, because you should know what advice costs before you pick up the phone.
You pay nothing until your plan is put in place.
You’ll see every cost in pounds, line by line, before you decide anything.
What’s included before you pay anything
- Getting to know you and what matters to you
- A review of your existing pensions, savings and investments
- Research and comparison across the whole market
- A plan built around your goals, with cashflow modelling
- Checks by New Leaf’s paraplanning and compliance teams
- A written report showing exactly what it costs
All of this is there to give you the confidence to put your plan in place, and only then do you pay.
Initial advice
A one-off cost, based on the amount I’m advising you on.
| Amount | Cost |
|---|---|
| First £250,000 | 2% |
| £250,001 to £500,000 | 1% |
| £500,001 to £1,000,000 | 0.5% |
| Over £1,000,000 | 0.25% |
The minimum is £750 and the maximum is £12,000.
How it works
Each rate only applies to the money within that band. For example, on £300,000 you pay 2% on the first £250,000 (£5,000) and 1% on the remaining £50,000 (£500), so £5,500 in total.
| Amount advised on | Initial cost |
|---|---|
| £150,000 | £3,000 |
| £300,000 | £5,500 |
| £600,000 | £8,000 |
| £1,500,000 | £11,250 |
Ongoing service
Core: £250 a year
You stay informed and in touch, with an annual statement, market updates and access to me by phone and email.
Wealth: 0.8% a year
Minimum £1,500, maximum £10,000. Your full plan, reviewed every year and kept up to date as life changes. For example, Wealth on £300,000 costs £2,400 a year.
For smaller amounts, or if you’d rather have a lighter service, Core at £250 a year may suit you better.
Is advice worth the cost?
Research by Vanguard, a pioneer of low-cost investing, suggests good advice can add value over time, after charges, mainly by helping people avoid costly mistakes when markets fall, use their tax allowances well and keep costs down1. It isn’t guaranteed, and the value tends to show most in difficult years.
1 Vanguard, Quantifying Adviser’s Alpha in the UK, 2025.
How you pay
You can pay directly or from your investment. On top of my cost there will be platform and fund charges, which depend on what I recommend. I’ll show you your full total, line by line, before you go ahead.
Life insurance and protection
The insurer usually pays me commission when a policy starts, and I’ll show you exactly how much before you go ahead. More on life insurance and protection →
Charges correct at October 2026.