As independent financial advisers, we review the whole market to find what genuinely works for you. Our advice is objective, transparent and tailored to your needs — and so are our fees.
Below, you can see exactly how we work, what each stage involves, and what you receive in return for every pound you invest in our advice.
How we work
After more than three decades, we know our long-term approach works. Select each stage of the wheel to see what’s involved and what it costs.
A relaxed, no-obligation conversation with one of our qualified financial planners — a chance for us to get to know you, and for you to get to know us.
We carry out an extensive assessment of your circumstances, then apply our knowledge and whole-of-market independence to find the options that genuinely fit.
Before we recommend anything, we work through the questions that matter — so every option is tested against your real life, not just the numbers.
Your personalised report is our formal, regulated advice — setting out our recommendations and explaining clearly why they’re right for your objectives.
Once you’re happy to proceed, we handle the heavy lifting — and we take responsibility for implementing our advice correctly.
Your goals will evolve — and your plan should too. Our ongoing service keeps everything reviewed, rebalanced and working for the life you want.
A no-obligation preliminary consultation with a qualified financial planner. Tell us what help you need, learn about our services and charges, and ask anything.
We review your circumstances, objectives, existing arrangements, investment knowledge and attitude to risk, then assess the whole market for suitable options.
We test the outcomes, tax implications, costs, flexibility and protections of each available solution against your real life.
Your formal written advice sets out clear recommendations, suitable products where appropriate, the reasons behind them, and the risks of action and inaction.
We complete applications and trusts with you, handle fund and policy administration, review documents and provide progress updates and written confirmation.
Structured annual reviews, underlying fund selection, regular reports, real-time Client Portal valuations and ongoing administrative support keep your plan on track.
Clear, agreed in advance
No surprises, no hidden costs. Every fee is agreed with you in writing before any chargeable work begins, and under current legislation the majority of our services are not subject to VAT.
Step 1 · Preliminary consultation
We invest in you first. Your first meeting is at our cost and carries no obligation.
Steps 2–4 · Planning & recommendation
Depending on complexity. A complete, personalised financial plan with formal regulated advice.
Step 5 · Implementation
See the table below. We take care of everything needed to put your plan into action.
Step 6 · Ongoing services
See the options below. Continuing peace of mind that your plan stays on track.
Our implementation fee for lump sum investments and transfers is a percentage of the amount invested. The more you invest, the lower the rate on each additional pound.
| Amount invested | Rate |
|---|---|
| The first £250,000 | 1.5% |
| The next £250,000 | 1.0% |
| Anything above £500,000 | 0.5% |
Investing £250,000 → implementation £3,750 → total £5,750
Investing £500,000 → implementation £6,250 → total £8,250
Investing £1,000,000 → implementation £8,750 → total £10,750
Fees can be deducted from the amount invested and paid by the product provider, or invoiced directly — whichever suits you. For regular savings plans, our implementation fee is no more than 50% of the first year’s contributions, payable directly or spread over up to 12 months.
Staying on track
Life changes, and good planning changes with it. Our ongoing services keep your plan working as hard as you do, with structured annual reviews at their heart.
0.75% per year
Our core ongoing service — everything you need to stay confident your plan remains right for you.
1.00% per year
Everything in Smarter, plus deeper hands-on planning support as your affairs grow.
Agreed with you
Individually tailored for complex situations — inheritance tax planning, long-term care, commercial property through pensions, and lifetime cash flow forecasting.
A minimum fee of £1,200 per annum applies. Your ongoing charge is guaranteed not to increase within the first 12 months, and you’ll always receive at least one month’s notice — and the choice to continue — before any change after that. Prefer to engage us only when you need us? A transactional-only option is available too.
Why clients stay with us
Our ‘get rich slow’ approach avoids knee-jerk reactions to market volatility, and guides you towards financial freedom with thoughtful decisions based on long-term objectives.
01
We review the whole market without restriction, so our recommendations are driven by what’s right for you — nothing else.
02
Every fee is explained and agreed in writing before we begin, so you always know exactly what you’re paying and what you get in return.
03
Money matters can make people anxious. We provide reassurance in language you can understand — no jargon, no pressure.
04
After more than thirty years, we know our long-term approach works — wherever you are in life.
Common questions
Your first meeting is at our cost. Our Discovery, Research, Analysis & Planning service — including a written recommendation report — starts from £2,000 depending on complexity. Implementation of lump sum investments is charged on a tiered scale: 1.5% on the first £250,000, 1.0% on the next £250,000 and 0.5% above £500,000. Ongoing services are 0.75% per year (Smarter) or 1.00% per year (Smartest), subject to a minimum of £1,200 per annum. All fees are agreed in writing before any chargeable work begins.
Yes. Your preliminary consultation with a qualified financial planner is at our cost and carries no obligation — it’s a chance to tell us what help you need, understand our services and charges, and ask any questions.
Yes. As independent financial advisers we consider all products available across the whole market without restriction. Talis Financial Advisers Ltd is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 150458.
Under current legislation the majority of our services are not subject to VAT. Where any element of our service is subject to VAT, we will tell you before commencing work and any VAT due will be clearly identified in our fee disclosure.
Yes. The arrangement can be ended at any time without penalty by either party giving fourteen days’ notice in writing. Where an ongoing fee has been paid in advance and services have not yet been delivered, a proportionate refund is calculated and returned to you.
We’re based at Stoke House, Church Road, Ashford, Kent TN23 1RD — call us on 01233 722999.
Take the first step
We can’t change the past, but we can make sure that what you have now works hard to shape your financial future.
Talis Financial Advisers Ltd · Stoke House, Church Road, Ashford, Kent TN23 1RD · 01233 722999
Talis is authorised and regulated by the Financial Conduct Authority (FCA), Firm Reference Number 150458. You can check our authorisation on the Financial Services Register. Company registered in England number 2654846.
Investments carry varying degrees of risk. As their underlying value can fall as well as rise, you may not get back the full amount invested. Under current legislation the majority of our services are not subject to VAT; where VAT applies we will tell you before commencing work.
Full details of our services and charges are set out in our Client Agreement and Terms of Engagement, available on request.
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