As independent financial advisers, 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 can expect to receive from us.
How we work
After more than three decades, we know our ‘life first, money second’ approach works. Select each stage of the wheel to see what’s involved and what it costs.
A relaxed, no-obligation conversation with a qualified financial adviser, 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 conduct whole-of-market research to find 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 services keep everything reviewed, rebalanced and working for the life you want.
Clear, agreed in advance
No surprises, no hidden costs. Fees are agreed with you in writing before any chargeable work begins.
Step 1
No charge – no obligation
Your first meeting is free of charge and carries no obligation.
Steps 2-4
From £2,000 – depending on complexity
A complete, personalised financial plan with formal regulated advice.
Step 5
Tiered scale – see the table below
We take care of everything needed to put your plan into action.
Step 6
Service tiers – see the options below
Continuing peace of mind that your plan stays on track.
| Amount invested | Rate |
|---|---|
| The first £250,000 | 1.50% |
| The next £250,000 | 1.00% |
| Anything above £500,000 | 0.50% |
Total fees shown include a £2,000 planning fee.
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 so good planning must change too. Our ongoing services are designed to keep your plan on track, anchored around a structured annual meeting.
0.75% per year
Our core ongoing service, everything you need to stay on top of your financial planning.
1.00% per year
Everything in Smarter, plus additional support as your wealth grows.
POA
Individually tailored for the most complex situations, family-owned businesses, complex estates, long-term care needs, commercial property SIPP / SSAS, and lifetime cashflow 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? In limited situations it may be possible to engage us on a transactional-only basis.
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
Fees are explained and agreed in writing before we begin, so you always know exactly what you’ll pay and what you can expect 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 ‘life first, money second’ approach works, wherever you are on your journey.
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.
To complete the ‘Discovery, Research, Analysis & Planning’ stages, including a written recommendation report, you should expect to pay at least £2,000 depending on complexity. Implementation of lump sum investments is charged on a tiered scale: 1.50% on the first £250,000, 1.00% on the next £250,000 and 0.50% above £500,000. Ongoing services are provided for 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 adviser is free of charge 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 and services offered 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.
Talis IFAs operate throughout the UK supported by our head office team at Stoke House, Church Road, Ashford, Kent TN23 1RD. Call us on 01233 722999.
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