Our feesHow we charge

The value of our work.

Financial planning can be life-changing, there is no doubt about that. It brings your money to life and gives it purpose.

Above all, a financial plan and bespoke advice offer immense value by providing rewards and peace of mind. Until you experience the benefits, it’s hard to imagine how it will impact your life, but we’re here to explain how.

For perspective, a study by Vanguard identified seven key areas where advisers can add value, estimating a total impact of around 3% per year.

How and when we charge.

Our fees vary depending on the type of work. When an investment or pension is involved, we typically charge a percentage of the amount invested and advised upon. Where we’re carrying out bespoke work or a financial plan, this can be set by a “project fee” based on an hourly rate basis.

You can pay for advice from your investments or invoiced to you directly. The cost is usually applied at the implementation stage, although some services such as a financial plan or financial coaching can be charged in advance. We’ll always provide you with an indication of cost before carrying out any work on your behalf, and nothing is charged without your prior agreement.

Initial advice, recommendation, and implementation fee.

3% of assets invested

On investments and pensions, we charge an initial fee of 3% of the value on which we have provided advice. This fee becomes chargeable after our second meeting and will usually be paid as part of the implementation stage.

Should you decide not to proceed at any point, a part of the agreed fee will still be payable.

This will include:

Determining your financial goals and objectives
Developing a solution based on your individual needs
Presentation of our findings and research
Preparing the necessary paperwork on your behalf
Regular updates during implementation.

Here are some examples:

If you were to invest an amount or purchase an annuity of £250,000, the initial fee of 3% would be chargeable at £7,500. If you opt to pay for this by deduction of your investment, this will reduce your investment to £242,500.

If you were to invest an amount or purchase an annuity of £750,000, the initial fee of 3% would be chargeable at £22,500. If you opt to pay for this by deduction of your investment, this will reduce your investment to £727,500.

Ongoing service fee.

1% per year of assets under advice

This will include:

Ongoing advice and support from your financial planner and team members
Regular communication via newsletters, new and topical updates
Client login access
Processing income withdrawals and pension benefits
Maximising ISA allowances in each tax year
Administering pension top-ups
Annual due diligence and investment suitability
Annual review meeting
Rebalancing of investments
Quarterly investment mapping and investment committee
Investment/provider changes as needed
Contact with other professionals where required.

Here are some examples:

If your investment value is £250,000, the ongoing fee of 1% would be chargeable at £2,500 per year. This is divided by twelve and paid monthly in arrears. In this example, it would equate to £208.33 per month, subject to market fluctuations.

If your investment value is £750,000, the ongoing fee of 1% would be chargeable at £7,500 per year. This is divided by twelve and paid monthly in arrears. In this example, it would equate to £625 per month, subject to market fluctuations.

Financial Planning (cashflow) analysis.

From £2,500

We also offer detailed financial planning exercises. We can complete these as a standalone project, or alongside investment advice. During these, we explore your income and expenditures against your lifestyle or retirement goals. We can explore a range of scenarios to help you decide on a financial plan.

The Financial Conduct Authority does not regulate cashflow planning.

The cost will be agreed before any work is carried out. The below costings have been provided as an example and are separate from any financial advice or implementation costs:

Example analysis	Estimated number of hours to complete	Estimated total cost at £250 per hour
Detailed financial planning exercise (cashflow analysis)	10	£2,500
Detailed cashflow and Inheritance Tax calculation	12	£3,000
Complex cashflow analysis with multiple entities or scenarios	15	£3,750
Complex cashflow and Inheritance Tax calculation	17	£4,250

Words straight from our clients.

Lisa has been fundamental in helping us plan our retirement.

Darren and Stephanie

I’m confident about my financial future thanks to Lisa’s sound advice.

Stephen Orme

Working with Footes makes us feel very confident and very secure.

Tracey and Rob

Lisa’s warm, down-to-earth advice helped us feel secure and confident about our financial future.

Tim and Carolyn

Lisa has been there every step of the way as our financial needs have changed over time.

Angela Drew

Footes Financial Planning changed my life completely.

Phil Summerfield

0

of clients would recommend us to their friends, family or colleagues

0

believe that working with us has helped or will help them achieve their financial goals

0

were satisfied that we understood their needs, goals, aspirations and objectives

    
 
 
      Posted on Google  
   
   Bridget Brooks 
 18 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. It has now been just over four years since I retired, and any worries I had about moving from an employer-supported scheme to working with an independent financial adviser quickly disappeared. From the start, Lisa was approachable, reassuring, and very easy to talk to. She made what first felt like a daunting process much simpler, taking the time to explain everything clearly while really understanding our day-to-day lives and our hopes for a long and comfortable retirement. Since then, communication with Lisa and her team has been excellent. The regular, detailed annual reviews give us real confidence, and the monthly updates mean I always feel informed and reassured about how my pension is performing.
  
 
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   Anthony Evans 
 1 August 2026
 
 
 Trustindex verifies that the original source of the review is Google. Have been receiving help and advice for almost 10 years from Lisa and her excellent colleagues, and cannot recommend enough. Lisa is great at explaining what are quite involved processes. Her friendly assistance and advice has been a game changer for myself and wife in our now retired days. Many thanks to her to enable us to feel relatively financially comfortable. Very very highly recommended
  
 
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   Maria Barnard 
 5 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Lisa is friendly and approachable; she takes the time to explain things in a way that's easy to follow, her advice is easy to understand and genuinely helpful. Very grateful for her continued guidance.
  
 
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   Steve P 
 20 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I have nothing but praise for Lisa and her team. My wife and I have been with Lisa for  many years and during that time Lisa has provided excellent advice in a warm and friendly manner and always has our best interest at heart. I throughly recommend Lisa to offer top financial advice.
  
 
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   Debbie Husler 
 26 March 2026
 
 
 Trustindex verifies that the original source of the review is Google. Lisa has been looking after our investments for 6 years. We're very pleased with the progress. Lisa is always available if we have any questions and we have a full annual review which is useful. We also receive quarterly reports. Very impressed with the service and advice provided. Would highly recommend.
  
 
     Posted on Google  
   
   Albert Cook 
 17 February 2026
 
 
 Trustindex verifies that the original source of the review is Google. We've been with Lisa Footes for a few years now, during this time she has given us impartial advice, never trying to "sell" financial products to us , but guiding us through the best options available. Always with a friendly smile and at a reasonable price. We highly recommend Lisa and her team Albert Cook on behalf of Mrs A Lewis
  
 
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   Chris Roberts 
 11 December 2024
 
 
 Trustindex verifies that the original source of the review is Google. Excellent advice over the years. Friendly, honest relationship.
  
 
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   Malcolm Hayes 
 10 December 2024
 
 
 Trustindex verifies that the original source of the review is Google. Friendly and knowledgeable advice
  
 
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   Gillian Cattell 
 8 December 2024
 
 
 Trustindex verifies that the original source of the review is Google. Lisa and her team are trustworthy knowledgeable and above all friendly we've been with her since the beginning
  
 
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   Phil Summerfield 
 7 December 2024
 
 
 Trustindex verifies that the original source of the review is Google. Lisa and her team are simply outstanding. When I was offered a redundancy package I spoke with Lisa who expertly guided me through the extremely complex and, to me, unknown world of pensions and financial planning, taking time to understand my personal circumstances and make me feel confident that my future would be both financially comfortable and secure. Lisa and her team are always available to give sound advice and guidance on all aspects of my financial well-being. I highly recommend Footes to all my friends and family.
  
 
     Posted on Google  
   
   Andrew Dennis 
 28 November 2024
 
 
 Trustindex verifies that the original source of the review is Google. My experience of Footes Financial Planning is that it is professional, useful, comprehensive, friendly and efficient.
  
 
     Posted on Google  
   
   John Pearshouse 
 28 November 2024
 
 
 Trustindex verifies that the original source of the review is Google. Lisa and the team have always been very professional and offered sound advice on my investments.
  
 
     Posted on Google  
   
   Paul Robinson 
 28 November 2024
 
 
 Trustindex verifies that the original source of the review is Google. Lisa and the team have been and still continue to be very professional. They have always helped me with any issues that I've had. As well as providing a professional service they are always friendly and helpful and very informative too.
  
 
     Posted on Google  
   
   Chris Cooper 
 28 November 2024
 
 
 Trustindex verifies that the original source of the review is Google. Lisa gives consistently sound advice and is always contactable.
  
 
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   Charles Baker 
 27 November 2024
 
 
 Trustindex verifies that the original source of the review is Google. Footes have sorted my finances superbly. An excellent team headed by Lisa. Always there with any queries or worries.
  
 
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   lynda clifton 
 27 November 2024
 
 
 Trustindex verifies that the original source of the review is Google. Exceptional service with excellent results .
  
 
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   James Preston 
 30 June 2024
 
 
 Trustindex verifies that the original source of the review is Google. Caring and attentive. Accessible team and highly professional all round.
  
 
     Posted on Google  
   
   Nigel Cutler 
 23 August 2023
 
 
 Trustindex verifies that the original source of the review is Google. We needed to find a recommended SOLLA registered advisor to assist us in the financial planning of our mothers on going residential care fees. Lisa's expertise & knowledge of the financial products associated to this long term care requirement was just what we needed. Taking out a care annuity is a big financial decision, but with Lisa & her teams research into the facts, figures & additional advice associated to this type of product, gave us the confidence we needed to go ahead and purchase one for our mothers residential care requirement. In addition, from the start to the end of the process, communication from Lisa & her team was second to none. From our own experience, would have no hesitation in recommending this company to others.