How we charge
The value of financial planning is not only in the products or investments we recommend, but in having a clear plan and someone you trust to help you make the most of your money.
In fact, Royal London’s 2025 “Meaning of Value” research found that 68% of consumers who pay for advice rate it as good or excellent value for money.
We believe you should always know what you’re paying for and, more importantly, why you’re paying it. That’s why we’re transparent about our fees and clearly set them out on our website, so you can see what our services cost before you decide whether we’re the right fit for you.
Discovery Meeting
No cost to you
We will never charge you for an initial meeting or phone call. We offer our initial meeting completely free of charge. After all, it is simply a chance for us to get to know each other and establish whether we can help you. It’s also an opportunity for you to understand more about the services we offer. Conversation costs nothing!
Initial financial planning, advice and implementation
1%, subject to a minimum of £4,800 and maximum of £9,600
Our initial work together will give you a clearly defined plan, built around your goals, and a more organised structure for the future. This should mean less hassle and more free time, while helping you improve your tax efficiency and achieve the right balance of risk and return at the right cost.
Most importantly, you’ll have greater confidence in your life and financial plans, alongside a trusted planner to guide you in the future when life inevitably changes.
Here are a few examples
As part of our initial service, you’ll have:
- A full fact-finding session
- Evaluation of your risk profile
- Exploration of your objectives and needs
- Quantification of those needs
- A face-to-face meeting to present your draft lifetime cashflow forecast
- Updates from your providers as we liaise with them to gather information on your existing arrangements
- Analysis of your existing holdings
- Research undertaken to identify appropriate plans and solutions to meet your needs
- Development of an appropriate investment strategy
- Modelled solutions to identify the most efficient in terms of cash flow, taxation, risk and returns
- Fund and contract administration facilitated on your behalf
- Regular communication, keeping you informed of progress
- Completion of a suitability report
- Completion of application form.
Ongoing financial planning and wealth management service
Charged as a percentage, subject to a minimum of £2,400
Our ongoing service is designed to keep your finances aligned with your goals as life changes. Once your financial plan is in place, it’s important to review it regularly and adjust where needed as your circumstances evolve. This helps reduce the risk of costly mistakes, keeps your plan relevant and gives you confidence that you’re still on track to achieve your objectives.
Here are a few examples
As part of our ongoing service, you’ll have:
- An annual forward planning meeting and review
- Access to our client portal
- Valuation reports
- Annual allowance check and tax planning
- Cashflow planning
- Ongoing access to your financial planner
- Ongoing access to your support team
- Newsletter
What does an annual meeting and review include?
- Review of circumstances and any changes since our last meeting
- Review of attitude to investment risk and capacity for loss
- Review of investment performance
- Summary of actions undertaken and agreed since our last meeting
- Review of any tax and legislation changes
- Review of the impact of these changes on your lifetime cashflow forecast to ensure you’re still on track
- Annual assessment to confirm whether your products remain suitable for your needs and objectives.
What we do
- Work with clients who are fully engaged throughout the planning, implementation and ongoing advice process.
- Work with clients looking for a genuine long-term partnership, who understand that investing comes with short-term uncertainty and are committed to their financial plan.
- Work with clients who understand and appreciate the value our advice and ongoing service can provide.
What we don’t do
- Predict or guarantee market performance.
- Undertake one-off transactions
- Advise on the transfer of final salary pensions.
- Work with clients who want to manage part of their investments themselves.
- Work alongside another financial planner.
01788 711655
hello@mdmwealth.co.uk
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