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Our fees
How we deliver significant value
Our holistic financial planning service lies at the heart of everything we do. As a new client, you can expect to be taken through every stage of the journey and finish with peace of mind and clarity that your finances are being taken care of. You can’t put a price on this feeling.
We want to be open, honest and transparent in the way we deal with you, so we have decided to display our fees on our website. Our charges are split into an initial fee that covers the analysis of your current circumstances, our report and recommendations and the implementation of our recommended strategy, and an ongoing fee for the continued management of your plan.
We will always explain our fees in good time before we provide our service.
Initial Fee
Our initial fee covers all the work involved to produce and implement our advice.
This includes:
- Data gathering to obtain relevant personal and financial information
- Research to gather and analyse information regarding your existing pensions and investments
- Liaising with the relevant product providers
- Building your financial plan
- Issuing you with our report and recommendations
- Implementing our recommendations.
We charge on a tiered basis:
Amount invested
Our charge
First £300,000
1.5% (minimum fee £1,500)
£300,000 – £1 million
1%
Excess over £1 million
0.5% (maximum fee £15,000)
Example 1
Anne has an existing plan(s) with a combined value of £500,000. Our charge is 1.5% of the first £300,000 (£4,500), plus 1% of the next £200,000 (£2,000).
Our total charge is therefore £6,500, which is 1.3% of the investment amount.
Example 2
Brian has an existing plan(s) with a combined value of £90,000. Our charge for advice would normally be 1.5% of £90,000 = £1,350.
However, this is less than our minimum fee, so a fee of £1,500 will apply. This equates to 1.67% of the investment amount.
We are not VAT registered, therefore we do not charge VAT.
Ongoing Fee
Where appropriate, we will continue to provide ongoing advice and we strongly recommend this service to all clients. We conduct annual reviews to identify any changes in your circumstances and will take any necessary actions to keep your plans on track.
We offer three ongoing service levels for you to choose from:
Premier
This is best suited for clients who would like us to carry out regular reviews without the collaboration of another adviser. This would suit those who want to benefit from our ongoing investment management. This service is subject to a minimum fee of £1,000 per year.
Assets under management
Ongoing fee per year
First £300,000
1%
£300,000 – £1 million
0.75%
Excess over £1 million
0.5%
Premier Partnership
This is our collaboration planning service where we carry out regular reviews in conjunction with another professional adviser. This suits those who have a good relationship with another financial adviser, which will be enhanced by our specialist retirement service. This service is subject to a minimum fee of £1,150 per year.
Assets under management
Ongoing fee per year
First £300,000
1.15%
£300,000 – £1 million
1%
Excess over £1 million
0.5%
Premier Lite
This is suitable for clients who would like their investments to be regularly rebalanced but do not require an annual review. This would suit those who are in the early stages of saving or in the latter stages of retirement and have limited remaining funds. For this service, all assets are charged at 0.5% per annum (0.6% if taking an income), subject to a minimum fee of £500 (£600 if taking an income) per year.
I can go to bed at night and not worry about where my money is or what's going to happen to it.
Nigel & Jane
We gave Intelligent Pensions a tall order; the dream was always to retire at 55, and with their help, we've been able to do that.
Sharon & Martin
The three words I'd use to describe Ben and Intelligent Pensions are friendly, communicative and accurate.
Trevor Anderson
Working with Robyn and Intelligent Pensions is absolutely a pleasure; it’s very easy and straightforward.
Nathan Hopper
The three words I would use to describe Intelligent Pensions would be open, listening, and reliable.
Lindsey Corben
I have now been retired for just over a year, and I have no financial worries whatsoever.
Neil Scott
Ajoy Deshmukh
April 26, 2023
My wife and I had our first pension review meeting with Simon and he was so helpful. He is very knowledgeable on the areas we discussed and his manner ensured my wife and I felt at ease with him. He provided projections which were relevant to our situation and where we want to be in years to come. My wife and I felt very reassured regarding our pension situation after the meeting. We would definitely recommend Simon to our family and friends.
Doug Pick
March 16, 2023
I have dealt with Intelligent Pensions for a number of years, my main contact being at the time of the annual review. My most recent review has been with Tristan Edwards and I am indebted to him for the clarity of his presentation of important information and data which has enabled me to make important decisions about my pension commencement and the best format to meet my circumstances.
Grahame Johnston
February 20, 2023
Never been disappointed by this company, their staff are to be admired, for their knowledge of the financial aspects, and their patience and understanding of their clients, will continue to use them for a while yet
Julie Dunn
February 17, 2023
Good having a Zoom meeting. Alison very easy to talk to and gives great advice.
Bea Holland
September 21, 2022
My Husband and I would not hesitate to recommend Intelligent Pensions Limited.
Bern From Wales
July 27, 2022
Stephen Bush and John Pickering (FosterDenevo) have been my pension advisers for many years. They are polite and very helpful in explaining things and giving me good advice. I totally trust them and look forward to many more years of great service from them both.
Albert Cropp
June 21, 2022
I have recently had my annual review with Steve Bush, I am glad to say this went very well. Steve made the information easy to understand and follow. Clearly pointing out how my investments are performing. Explaining my options in the future. Steve made the review enjoyable, excellent.
Terry Osborne
March 14, 2022
Always a clear information of plan value and future investments and risk assessment. Answered my questions with knowledge and always helpful. Feel safe that my investment is their hands. Good work.
0%
of our clients would recommend us to other people.
0%
believe we consistently deliver good ongoing service and support.
0%
say that cashflow modelling helps them to understand their financial position.