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How we are paid
On receiving an enquiry we invite a prospective client to a preliminary meeting at a convenient location either at our office, home or place of work. The purpose of the meeting is firstly to establish whether we are able to assist with the prospective client's needs and objectives and secondly to discuss how we would be paid for our services should we be instructed to proceed. There is generally no charge for this preliminary meeting. The initial meeting will ordinarily be free of charge but there are instances when we will charge for our time and this will be disclosed to you before the meeting.
After the initial consultation, we will agree with you a fee structure,which will be based on a percentage of the pensions and investments we mangage on your behalf for initial and ongoing advice and services, a fixed rate fee for a specific task or an hourly rate fee for a specific task, or a combination of the above.
During the initial meeting we will agree a fee structure with you that suits your circumstances. If we are investing money on your behalf we will usually charge a fee based on a percentage of the initial investment and this will not exceed 3%. This fee will pay for the cost of any reports, initial advice, implementation, risk assessment, portfolio construction, service provider and associated research. We will also agree at outset the ongoing advice, and investment fee for our services in line with the following charges and the number of reviews we will produce each year:
MPA Lite (for sums up to £75,000) 0.75% pa
£75,000 to £499,000 1.00% pa;
£500,000 to £750,000 0.75% pa;
£750,000 to £3M 0.50% pa;
£3M plus on request
MPA Discretionary £500,000 plus 0.50% pa.
MPA Civil for FDA members please see the tab on Civil Servants on this website for your fee structure.
Initial fees can be paid by cheque, direct credit transfer or can be deducted from the pension or investment at outset.
Depending on the level of fees generated we will offer a number of reviews per year where we will review the perfromance of the investments we manage on your behalf.
Annuity purchase - we will charge no more than 1.50% of the purchase price of an annuity subject to a minimum of £250. This can be paid from the pension scheme if you so wish.
Fixed Rate Charges
You may wish to pay fixed rate charges for work that may or may not entail the implementation of investments or pensions. These charges will be agreed with you and may be subject to VAT.
Full Financial Review £2,000
Full Investment Review £1,000
Valuation statement £50.00
Tax Return £200
Report writing (based on hourly rate)
Ad hoc queries (based on hourly rates or fee arranged at outset)
Directors £200 ph
Advisers £150 ph
Paraplanner £100 ph
General Administration £75 ph
If you sign up to MPA Wealth, Lite or Discretionary then these charges are reflected in the services offered there.
Life Assurance, Critical illness & Health Insurance Policies
If we recommend you take out some life assurance or critical illness or income protection we would normally be paid commission by the provider and we would not expect you to pay any other fee.
Your home may be repossessed if you do not keep up repayments on your mortgage.