Financial planning fees

The price of peace of mind

When it comes to financial advice, one of the biggest considerations is often the cost. Transparency is important to us, so when we disclose our fees, that is the price – there are no hidden costs.

What makes CD Financial different? For starters, we disclose our fees upfront. With our vast experience and expertise, we offer excellent value for money. Below, you’ll find a clear breakdown of our fees and exactly what’s included.

Our financial planning fees

Getting to know you

No fee involved

We’ll use this opportunity to introduce ourselves and share more about who we are, how we work, and the range of services we offer. We’ll also clearly talk you through the costs involved.

But this isn’t about us – it’s really about you. We want to understand your goals, circumstances, aspirations, and concerns. This conversation is all about discovering how we can add value to your life.

Research and developing your plan

A fixed fee of £495

Once we’ve decided to work together, we’ll take the time to get to know you better by gathering key personal and financial details.

We’ll discuss your financial goals in more detail and uncover what matters to you, so we can tailor our recommendations and advice to fit your needs.

This service includes:

Gathering detailed information about your current financial plans, policies and any commitments

Assessing your attitude to investment risk and your preferences

Assessing whether your current financial arrangements are meeting your goals

An analysis of any existing policies or investments that you hold.

Putting your plan into place

£0 – £250,000: 3% of funds under advice

£250,000 – £1 million: 1% of funds under advice

Once you agree to the recommendations, you can choose for us to implement them on your behalf to meet your needs and objectives. This may also include any complex planning, such as trust work.

This service includes:

Completing the relevant applications and any additional information required

Monitoring any applications through to product issue

Ensuring you receive the related product documentation.

Reviewing your needs

Full ongoing advice service with annual review: 1% per year of funds under advice

Full ongoing advice service with biennial review: 0.75% per year of funds under advice

We provide an ongoing service to ensure your plan continues to work for you and help meet your objectives. This ensures you have access to your financial planner and our team at any time.

Depending on your needs, preferences and budget, you can choose to receive your regular review annually or biennially.

This service includes:

Annual valuation report of your investments with a reconfirmation of their suitability in meeting your objectives

A full personal review and progress check of your financial objectives to ensure those objectives remain on track

Reconfirmation of the suitability of your arrangements

A review of your other needs, including protection and inheritance planning

A review of your beneficiaries, trusts and Power of Attorney needs

Carrying out any administration in line with your agreed financial plan on your behalf.

An example of an ongoing service charge with an annual review

If you have invested £100,000, your annual ongoing service charge would be £1,000

An example of an ongoing service charge with a biennial review

If you have invested £100,000, your annual ongoing service charge would be £750.

Face-to-face meetings will take place in our Shifnal office, where we have three meeting rooms. Home appointments are possible depending on your location. We also offer appointments via Teams or phone.

You can book a meeting by calling or emailing the team or completing the contact form at the bottom of this page.

No, we do not charge VAT for our services.