“Our fees are confirmed in writing and agreed by you before any billable work begins.”
Fee transparency is something we take seriously. You should know exactly what you will pay before you commit to anything, and you should never feel that the advice you receive is shaped by how it is charged. Below is a plain explanation of how our fees work at each stage of the relationship.
The initial conversation
Our first meeting is free of charge. It typically lasts around an hour and is focused entirely on understanding your situation and whether Foursquare is the right fit for you. There is no obligation on either side.
If we can help, we will explain clearly how and what it would cost. If we do not think we are the right firm for your needs, we will say so.
Financial planning fees
If you decide to proceed, the first stage is building your financial plan. This is charged as a fixed fee, agreed with you in writing before any work begins.
The fee covers a thorough review of your financial position — your pensions, investments, income, tax, estate and any other relevant areas — and the production of a clear, written plan that sets out our recommendations and the reasoning behind them.
Fixed fees vary depending on the complexity of your situation. We will give you a specific quote after your initial conversation, once we have a clear picture of what is involved.
Implementation fees
Where you ask us to implement recommendations — for example, restructuring a pension, setting up a drawdown arrangement, or making changes to your investments — we charge an implementation fee.
This can be structured as a fixed fee, a percentage of the amount being invested or transferred, or on a time-cost basis. We will set out the options and agree the approach with you before any implementation work begins.
Implementation fees can typically be facilitated through your pension or investment provider rather than paid directly, if that is preferable.
Ongoing service fees
For clients who retain us on an ongoing basis, we charge an annual fee for the continuing relationship. This covers your annual review, ongoing access to your adviser, monitoring of your financial plan, and any adjustments needed as your circumstances or the market changes.
Ongoing fees are typically charged as a percentage of the assets we look after on your behalf, and are set out clearly in your client agreement.
What you will not find here
No hidden charges. No commissions that influence what we recommend. No fees that are not explained to you in advance.
As an independent firm, we do not receive payments from product providers. Every recommendation is made on the basis of what is right for you.
Questions about fees?
We are happy to talk through how our fees would work for your specific situation. The initial conversation is free.