This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.
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 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.
FAQs
Have a query for the team? We’ve answered some of our most commonly asked questions. Take a look to see if yours is here before getting in touch.
Your questions answeredDon’t just take our word for it, this is what our clients say
We carried out a client survey in 2024 to gain insight into their experiences with us and our service. Here’s what they had to say:
98%
of clients would recommend us to family, friends or colleagues
98%
believe working with us has helped or will help them to achieve their financial goals
99%
were satisfied that we understood their needs, goals and aspirations
Mortgages
Financial Planning
Financial Planning
We’re Top Rated on VouchedFor
We’re proud to announce that VouchedFor has included us in their Top Rated Guide 2025, distributed by the Times.
VouchedFor is the UK’s leading review website for financial advisers, and the Top Rated Guide aims to identify and celebrate the UK’s best financial advisers based on client feedback. Even better, we have been included for a second consecutive year.
Give us a call.
01952 455 775Send us an email.
contact@cdfinancial.co.ukVisit our Shifnal office.
4 Church Street, Shifnal, Shropshire, TF11 9AA