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Our Fees

Home About Our Fees

Fiducia has always been a fee based adviser

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We calculate the cost of time working for our clients and charge fees. Our financial adviser fees are calculated using the amount of time spent working for our clients. When we work for you we charge a fee at either a fixed cost or a fixed rate depending on the type and scope of work involved. We notify you in writing before we carry out any chargeable work, explaining how it will be calculated.

The service provided by Fiducia Wealth Management Limited in respect of financial planning advice is split into four key stages, these are:

Discovery Meeting

The initial or discovery meeting is without cost or obligation and is to enable you to decide if you wish to appoint Fiducia to act on your behalf.

Initial Planning

In general terms, we would expect a very simple report to cost from £500, while a highly complicated report is likely to cost from £1,000. This is charged as a fee.

Implementation

We follow a simple scale in this regard, in that we charge up to 2% of the assets being invested.

Ongoing review

Our standard annual management charge is 1%, this being subject to a minimum charge of £1,000.

We believe in that honesty, openness and full transparency are the bedrock of a great client/adviser relationship.

It’s unwise to pay too much, but it’s worse to pay too little. When you pay too much you lose a little money – that’s all. When you pay too little, you sometimes lose everything…
John Ruskin, 19th Century Art Critic & Social Thinker

Settling your adviser charge in a single payment

For the implementation and ongoing service stages of our process, it is possible to pay for our charge by either fee or, where available, through an adviser charge. The initial report is payable by fee.

You will be expected to settle the payment of our fee in respect of the initial report on completion of the work. Similarly, fee payment for the implementation and ongoing service stages must be settled on completion of the work. Payments of fees are to be made by cheque and within 14 days of falling due. We do not accept payments by cash or card. You will be provided with a receipt once payment is made.

Where the adviser charge method is selected, our remuneration will be paid from the company who administer your plan(s). You will sign relevant documentation to permit the company administering your plans to allow such payment to be made. If you fail to sign such documentation, you will be required to pay any outstanding amounts as a fee, plus any interest amounts accruing due to the delay in payment.

Insurance

A fee of no less than £500 for advising on, or arranging life assurance, permanent health insurance, critical illness cover and private medical insurance. Where commission may be payable on life assurance, permanent health insurance, critical illness cover and private medical insurance we may accept this to offset against our fee.

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

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As an Independent Financial Adviser (IFA) Fiducia Wealth Management provides first class financial and investment advice from our offices in Dedham, near Colchester on the Essex Suffolk border and in Chelmsford, Essex. Fiducia Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. This site is for information only, and does not constitute financial advice.

© Fiducia Wealth Management, Dedham Hall Business Centre, Brook Street, Dedham, Colchester, Essex CO7 6AD. Also find us at Saxon House, 27 Duke Street, Chelmsford CM1 1HT and Kings House, 101-135 Kings Road, Brentwood, Essex CM14 4DR. No unauthorised reproduction is permitted without prior consent.

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Authorised and regulated by the Financial Conduct Authority. Registered Number 408210

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