Unlocking Financial Success:
Explore Our Competitive Pricing Options
At EB Wealth, we understand the importance of providing affordable pricing options to our clients. We believe that financial services should be accessible to everyone, regardless of their budget. That's why we have designed our pricing structure with flexibility in mind.
We firmly believe in building long-lasting relationships based on trust and transparency. Our pricing is upfront and clearly communicated, enabling you to make informed decisions about your financial choices without any hidden surprises. We want to ensure that you feel comfortable and confident about the value you are receiving for your investment in our services.
Although we prefer to provide ongoing advice and investment management for our clients, we are also proud of our ability to help individuals on a “one-off” basis or on an “as-needed” basis so whether you need to review a multi-million pound investment portfolio or whether you are struggling to work out the best way to build your first £10,000 of savings, we are confident we will be able to offer a pricing model to suit you.
Advice Services
Prior to engaging us for an advice service, we offer an initial meeting to understand your situation and identify your financial needs and objectives to assess which of our services, if any, may be suitable.
We charge an initial fee for our services to cover the work we undertake to deliver and fulfil the recommendations that we may propose to you in order to achieve your financial needs and objectives.
We also offer an Ongoing Monitoring & Review Service where you would like to engage us to manage your investments for you.
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Prior to engaging us for an advice service, we offer an initial meeting to understand your situation and identify your financial needs and objectives to assess which of our services, if any, may be suitable.
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If you have more than one pension or ISA plan, we can undertake an in-depth review to assess the appropriateness of consolidating them and investing into our Centralised Investment Proposition.
As part of our service, we will liaise with the relevant pension / ISA providers on your behalf to consolidate the plans.
Once you are already invested into our Centralised Investment Proposition, future transfers may be executed via our non-advised Direct Offer (conditions may apply)
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As you approach retirement, we can undertake a review of your current pension plans, alongside your personal financial situation and assess the options available to you, presenting you with a plan to meet your individual requirements. As part of our service, we will assist with putting this plan in place, contacting the relevant pension providers on your behalf.
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As you approach retirement, we can undertake a review specifically to assess whether an annuity is appropriate for you and provide you with a recommendation as to which one.
As part of our service, we will assist with putting this plan in place, contacting the relevant providers on your behalf.
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Dependent upon your situation, we can undertake a review specifically to assess whether a bond investment may be suitable to your situation and provide a recommendation suitable to your circumstances.
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Dependent upon your situation, we can undertake a review specifically to assess whether a bond investment may be suitable to your situation and provide a recommendation suitable to your circumstances.
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We will undertake a thorough review of your current situation and assets and provide advice on inheritance tax planning, including Trusts and Business Relief investments, and assist in implementing the recommendation.
Where our recommendation involves setting up a trust, we will assist with setting up the trust as part of our service.
You have a legal requirement to perform due diligence on any trust for which you are the trustee. The initial review undertaken with ourselves, as well as any review we undertake if you require us to perform ongoing services, can help to demonstrate you are meeting your legal requirements.
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A review of the bespoke investment products on the market at the time of your enquiry e.g., structured products or deposits, to find an investment to suit your particular needs, investment knowledge, attitude to risk and investment strategy, as well as an analysis of affordability.
We will provide our personalised recommendation in a written report.
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This service is aimed at our existing passively-managed clients and incorporates an in-depth review of your financial and personal situation, understanding your financial objectives, attitude to risk and capacity for loss to create an overall plan for your money and convert you to an actively-managed client.
As well as the initial fee, there will be a change in ongoing fee from from £250pa to 0.50% of your portfolio value.
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We can assist in helping you plan wisely to meet the rising future costs of private education and / or university fees to help you provide your children with the best possible education without breaking the bank. We will discuss your choice of educational institutions with you as well as your current financial situation and carry out a review of the options available to you.
If you would like an annual review, you may find a cashflow planning exercise will enable you to assess if you are still on track to meet your goals.
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We will provide advice on the most suitable insurance contract(s) for you. This will include a fair and unbiased analysis of the market in relation to all relevant products, gathering quotes from across all market providers and selecting the most appropriate one for your specific and personal needs.
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We will gather life insurance quotes on your behalf from the market based on your request.
Where you subsequently require advice on the most suitable insurance contract for you and you would like us to take care of dealing with the underwriters, you may engage us for our full non-investment insurance review and we will endeavour to offset the £500 against the fee for the ful review. VAT will no longer be applicable.
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Our holistic independent advice service includes an initial meeting and an in-depth review of your financial and personal situation before creating an overall plan for your money where you do not wish to invest in our Centralised Investment Proposition or engage us for our Ongoing Monitoring & Review service. We are able to tailor our advice to any particular topic, as determined by your personal situation and objectives, including:
Managing finances
Tax planning
Retirement / pension planning
Retirement income projections
Pension consolidation
Investment guidance
Inheritance & gifting
Mortgage repayment guidance
Changes of circumstances, including divorce (e.g., pension sharing), family deaths, etc.
Elderly care options
Non-investment insurance / financial protection (critical illness cover, private medical insurance, life cover, income protection, family income benefit, etc.)
If you subsequently decide to engage us immediately following the meeting for any of our services that will result in using our Ongoing Monitoring & Review service, we will look to offset this fee against the initial fee for the service we provide
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This service includes investment recommendations on investment portfolios outside of our Centralised Investment Proposition e.g., an in-depth review of your current investments and any funds you are invested in to assess their suitability with a potential recommendation of specific additional/alternative funds on the same platform and will incorporate a review of the appropriateness of product provider.
This service requires in-depth research on the provider and the funds available.
Initial Fees
*See Discounted Fees - available to our clients who retain us to provide ongoing wealth management services
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Our Ongoing Monitoring & Review Service is where you engage us to actively monitor your situation on an ongoing basis and manage your investmtnets accordingly. The fee covers the following:
Ongoing evaluation of your situation, including an annual meeting and cashflow report, as well as an annual evaluation of the suitability of our advice and confirming the products and investments we have recommended remain suitable.
Ongoing review of client investments under active management, including updates to our portfolios based upon our quarterly / annual research.
Ongoing centralised research, including recommendations to invest in bespoke products.
Annual review of providers, assessing if they remain suitable, taking into account the services they provide, their charges and their standard of service and efficiency, etc.
Ongoing support, including ongoing access to an adviser or client manager if you require any support or guidance.
Please see our Terms of Business under Key Documents for a full description of this service
Ongoing Fees
Service Tiers & Discounted Fees
In order to provide fair value, our actively-managed clients i.e., who take up our Ongoing Monitoring & Review Service, are classified into Service Tiers and may benefit from discounted initial fees based on the services they engage us for and the Service Tier they are in. The Service Tiers are based on a client’s total individual assets managed by EB Wealth on which EB Wealth receives an Ongoing Monitoring & Review Service fee.
Service Tiers start at £100,000. For portfolios less than £100,000, you would be subject to our standard fees or we can also offer our more cost-effective Passive Centralised Investment Proposition using our Non-Advised Direct Offer Promotions – see later.
Click below to view the Service Tiers and the full discounts available.
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Once you are already invested into our Centralised Investment Proposition, pension / ISA transfers may be executed via our non-advised Direct Offer.
Service Tier 1 - £125 for up to three transfers
Service Tier 2 - No charge for up to three transfers greater than £20,000 in total
£125 for up to three transfers less than £20,000 in total
Service Tier 3 - No charge for any number of transfers
Service Tier 4 - No charge for any number of transfers
The transfers must be into your existing Transact pension / ISA.
Discounts are also available for family members. See the full disounts available.
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Service Tier 1 - From £4,000
Service Tier 2 - From £3,000
Service Tier 3 - From £2,500
Service Tier 4 - From £2,000
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Service Tier 1 - From £2,500
Service Tier 2 - From £1,750
Service Tier 3 - From £1,000
Service Tier 4 - From £500
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Service Tier 1 - From £3,000
Service Tier 2 - From £2,500
Service Tier 3 - From £2,500
Service Tier 4 - From £2,000
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Service Tier 1 - Typically £6,000 (£3,500 - £20,000+ dependent upon complexity)
Service Tier 2 - Typically £6,000 (£3,500 - £20,000+ dependent upon complexity)
Service Tier 3 - Typically £8,000 (£2,500 - £20,000+ dependent upon complexity)
Service Tier 4 - Typically £12,000 (£1,500 - £20,000+ dependent upon complexity)
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We generally review the market 3-4 times a year to identify and research bespoke products (structured products and structured deposits) that look attractive based on our selection criteria and our current (actively-managed) client needs.
Service Tier 1 - £300 per investment
Service Tier 2 - £85 per investment
Service Tier 3 - No charge
Service Tier 4 - No charge
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Service Tier 1 - From £1,900
Service Tier 2 - From £1,900
Service Tier 3 - From £1,900
Service Tier 4 - From £1,900
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Service Tier 1 - £1,250 for family members. No charge for young adult family members
Service Tier 2 - £0 - £750 for family members. No charge for young adult family members
Service Tier 3 - No charge for family members
Service Tier 4 - No charge for family members
Family members must have been passively managed for at least two years (no time limit for Service Tier 4) and typically includes a spouse or child in full time education.
Young adult family member: during a child’s first period of employment.
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Service Tier 1 - From £1,000
Service Tier 2 - From £750
Service Tier 3 - From £500
Service Tier 4 - No charge
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Service Tier 1 - £250 + VAT
Service Tier 2 - No charge
Service Tier 3 - No charge
Service Tier 4 - No charge
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Service Tier 1 - No charge for child family members to set up a new plan or transfer in an existing plan.
Service Tier 2 - No charge for child family members to set up a new plan or transfer in an existing plan.
Service Tier 3 - No charge for family members setting up a new plan with initial contributions / up to three transfers greater than £20,000. No charge for child family members.
Service Tier 4 - No charge for family members.
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Service Tier 1 £250+ VAT for family members
Service Tier 2 - £125+ VAT for family members
Service Tier 3 - Up to three free Personalised Guidance Meetings for family members
Service Tier 4 - No charge for family members
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No charge for simplified cashflow - this is included in the Ongoing Monitoring & Review Service fee.
For full cashflow modelling:
Service Tier 1 - From £750
Service Tier 2 - From £375
Service Tier 3 - From £375
Service Tier 4 - No charge
Our fees are baed on up to five financial planning scenarios plus stress testing.
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Service Tier 1 - From £750 (covers up to three recently funded pensions)
Service Tier 2 - From £350 (covers up to three recently funded pensions)
Service Tier 3 - From £125 (covers unlimited number of pensions)
Service Tier 4 - No charge (covers unlimited number of pensions)
Initial Fees
Direct Offer Promotions &
Other Non-Advised Services
Our Direct Offer Promotions are a low-cost, online solution that enable you to invest into a pension plan or stocks & shares ISA plan without receiving personalised recommendations or advice.
We charge an initial fee for all our non-advised services to cover the work we undertake. Our Passive Ongoing Service fee is also applicable for our Direct Offer Promotions and incorporates an annual 30-minute Personalised Guidance Meeting.
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This fee covers the set-up of any new plans, as well as any initial contribution, including up to three transfers.
For clients with an exisitng pension or ISA with us, the fee covers the transfer in of up to three pensions / ISAs into your existing plan.
Any additional transfers made at the same time will each incur a charge of £50.
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A one-hour meeting to discuss financial options available to you based on your personal circumstances. This service does not include a written report. Topics covered may include (amongst others):
Managing finances
Tax planning
Retirement / pension planning
Pension consolidation
Investment guidance
Inheritance & gifting
Mortgage repayment guidance
Changes of circumstances, including family deaths, ill health, etc
Divorce e.g., pension sharing, financial mediation
Elderly care options
Non-investment insurance / financial protection (private medical insurance, critical illness cover, life cover, income protection, family income benefit, mortgage protection, etc.)
If you decide to engage us immediately following the meeting to implement any plans discussed, we will offset this fee against the fee for the service we provide. VAT will likely no longer be applicable.
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Based upon your personal data, we offer a cashflow modelling service to help you understand your current financial position and your future financial position by generating a financial planning forecast.
Our fee is based on up to five financial planning scenarios plus stress testing.
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Exercise to establish if you have any unused pension contribution allowances from the previous three years and are able to claim tax relief.
Our pricing is based on up to three recently funded pensions).
Initial Fees
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The fee is £250 pa per plan type i.e., £250 pa for a personal pension and £250 pa for an ISA (if you have both).
Where you have two plans valued at less than £90,000 and would like to have a Personalised Guidance Meeting, you will be charged £250 for the highest value plan and the reduced rate of 0.25% on the second plan.
Our Passive Ongoing Service is designed to be taken up alongside our Direct Offer Promotions. The fee covers the following:
30-minute annual Personalised Guidance Meeting covering retirement and pension planning, as well as any other relevant topics you would like covered.
Portfolio Management, including an annual review of the funds within your portfolios and monthly rebalancing.
Annual review of provider, assessing if they remain suitable, taking into account the services they provide, their charges and their standard of service and efficiency, etc.
Please see our Terms of Business under Key Documents for a full description of this service
Ongoing Fees
As a VAT-registered business, VAT may need to be added to the above charges in certain situations.
For full detail of our charging, please refer to our Terms of Business.