Our Tiered Pricing Model
Our discount tier pricing model is designed to offer significant savings on our intial fees based on the amount you invest with us. As you progress through the tiers, you will benefit from reduced prices on a wide range of additional services which you may require from us from time to time such as pension transfers, cash flow planning or inheritance tax planning, as well as reduced costs for providing wealth services to partners and generational wealth planning for children and grandchildren.
This structure not only rewards loyal customers but also provides an incentive for new clients to explore more of our services. The model is transparent and straightforward, allowing you to easily understand the cost of our services both at outset and in the future.
Explore Our 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. There are certain instances where we will apply some discretion as to which Service Tier applies to our clients e.g., taking into account the assets of associated trusts and / or family members who also take up our Ongoing Monitoring & Review Service; or when portfolio valuations are close to crossing over into the next tier, to allow for market fluctuations.
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.
Discounts will also be applied where clients engage us for more than one service at the same time.
| Service | Standard Initial Fee | Service Tier 1 £100,000 - £299,999 |
Service Tier 2 £300,000 - £749,999 |
Service Tier 3 £750,000 - £1,499,999 |
Service Tier 4 £1,500,000 + * |
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| ADVICE SERVICES | |||||
| New Client Initial Meeting | No charge | N/A | N/A | N/A | N/A |
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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| Pension & ISA transfers / consolidation | From £2,500 | Transfers can be executed via Direct Offer for existing clients | Transfers can be executed via Direct Offer for existing clients | Transfers can be executed via Direct Offer for existing clients | Transfers can be executed via Direct Offer for existing clients |
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. |
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| Crystallisation and Income Drawdown | From £6,000 | From £4,000 | From £3,000 | From £2,500 | From £2,000 |
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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| Annuity Advice | From £3,000 (offset by any commission payments) | From £3,000 (offset by any commission payments) | From £3,000 (offset by any commission payments) | From £3,000 (offset by any commission payments) | From £3,000 (offset by any commission payments) |
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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| Onshore Bond Investment | From £3,000 | From £2,500 | From £1,750 | From £1,000 | From £500 |
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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| Offshore Bond Investment | From £3,000 | From £3,000 | From £2,500 | From £2,500 | From £2,000 |
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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| Inheritance Tax Planning | Typically £6,000 (£3,500 - £20,000+ dependent upon complexity) |
Typically £6,000 (£3,500 - £20,000+ dependent upon complexity) |
Typically £6,000 (£3,500 - £20,000+ dependent upon complexity) |
Typically £8,000 (£2,500 - £20,000+ dependent upon complexity) |
Typically £12,000 (£1,500 - £20,000+ dependent upon complexity) |
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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| Centralised Bespoke Product Investment | N/A | £300 per investment | £85 per investment | No charge | No charge |
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 client needs. These may be recommended to clients paying for our Ongoing Monitoring & Review Service Fee. Clients wishing to invest will need to notify us within a short timeframe before the availability of the product expires, generally 2-4 weeks. |
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| One-Off Bespoke Product Investment | From £2,600 | From £1,900 | From £1,900 | From £1,900 | From £1,900 |
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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| Transfer from Passive to Active Service | From £1,500 + increase from £250 ongoing fee to 0.50% of portfolio value | Family member1 £1,250 (no charge for young adult2 family members) |
Family member1 £0 - £750 dependent upon complexity (no charge for young adult2 family members) |
No charge for family member1 | No charge for family member1 |
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. 1 Family member 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. 2 Young adult: during a child's first period of employment. |
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| Education Fees Planning | From £2,000 | From £1,000 | From £750 | From £500 | No charge |
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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| Non-Investment Insurance | Full review from £3,000 (offset by any commission payments) Life insurance quotes only – £500 + VAT |
Full review from £3,000 (offset by any commission payments) Life insurance quotes only – £250 + VAT |
Full review from £3,000 (offset by any commission payments) Life insurance quotes only – no charge |
Full review from £3,000 (offset by any commission payments) Life insurance quotes only – no charge |
Full review from £3,000 (offset by any commission payments) Life insurance quotes only – no charge |
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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| Annual Meeting | N/A | Held via video call, telephone or at our offices | Held via video call, telephone or at our offices | May be held at an alternative location convenient to you within a reasonable distance of our offices | May be held at an alternative location convenient to you within a reasonable distance of our offices |
This is the annual meeting for our actively-managed clients (who take up our Ongoing Monitoring & Review Service). |
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| Holistic Independent Financial Advice | From £2,500 + VAT | N/A | N/A | N/A | N/A |
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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.
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:
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| Financial Advice and One-off Investment Portfolio Recommendation | From £5,000 + VAT The starting fee is based on a single provider. |
N/A | N/A | N/A | N/A |
This service includes investment recommendations on your current investments (not managed by EB Wealth) 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 the product provider. This service is typically for individuals who do not want to take up our Ongoing Monitoring & Review service. The service requires in-depth research on your current provider and the funds available. |
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| NON-ADVISED DIRECT OFFER PROMOTIONS | |||||
| Direct Offer Promotions 1 Transfers into an existing investment plan 2 Any additional transfers made at the same time will each incur a charge of £50 |
£250 (reduced to £125 where your ongoing fee is £250) for up to three transfers1,2 For new clients, this includes the set-up of any new plans, as well as any initial contribution, including up to three transfers. |
£125 for up to three transfers1,2 | No charge for up to three transfers1,2 greater than £20,000 in total £125 for up to three transfers1 less than £20,000 in total |
No charge for any number of transfers1 | No charge for any number of transfers1 |
A low-cost, online solution that enables you to invest into a pension plan or stocks & shares ISA plan without receiving personalised recommendations or advice. You will be invested in our Passive Centralised Investment Proposition and subject to a passive ongoing service fee. 1 Transfers into your existing investment plan 2 Any additional transfers made at the same time will each incur a charge of £50 3 Children up to age 18 – or age 23 if in full time education 4 Family members are typically a spouse or child no longer in full time education |
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| Direct Offer Promotions Discounts for family members of actively-managed clients |
No charge for child family members of any client to set up a new plan or transfer in an existing plan | — | — | No charge for family members setting up a new plan with initial contributions / up to three transfers2 greater than £20,000 in total | No charge for family members |
Children up to age 18 – or age 23 if in full time education Family members are typically a spouse or child no longer in full time education |
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| PERSONALISED GUIDANCE MEETINGS AND OTHER NON-ADVISED SERVICES | |||||
| Personalised Guidance Meetings | £250 + VAT | £250 + VAT for family members | £125 + VAT for family members | Up to three free Personalised Guidance Meetings for family members | No charge for all family members |
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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.
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):
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| Cashflow Modelling | From £1,200 + VAT | From £750 Simplified cashflow: No charge |
From £375 Simplified cashflow: No charge |
From £375 Simplified cashflow: No charge |
No charge |
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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| Pension Carry Forward Exercise | From £1,200 + VAT | From £750 (covers up to three recently funded pensions) | From £350 (covers up to three recently funded pensions) | From £125 (covers unlimited number of pensions) | No charge (covers unlimited number of pensions) |
Exercise to establish if you have any unused pension contribution allowances from the previous three years and are able to claim tax relief. |
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For full details of our charging, please refer to ourTerms of Business.