Pricing & Terms of Service
Terms of service with Moneytree Wealth Management
At Moneytree Wealth Management, we believe in clear, upfront pricing so you can make informed decisions about your financial future. Our fees are structured to reflect the complexity of your needs and the level of service you require. We understand that financial planning is a significant investment, and we want to ensure you feel confident in the value you receive.
We offer a range of services, from one-time consultations to ongoing wealth management. Our fees are designed to be flexible and cater to your specific needs.
As your advisers, we will be paid by you for the advice we give to you both initially and ongoing. You will not incur any fees until we have agreed what they will be.
Step 1 – Understanding You – Initial meeting at our expense
Our initial meeting will involve getting to know about you and your circumstances at a surface level. It gives us both the opportunity to see if we can work together and if our services would add value to your life . You do not need to pay anything for this meeting or commit to taking your relationship with us any further at this stage.
Step 2 – Financial Plan
At this stage, we gather detailed information about your income, expenses, assets, liabilities, and existing financial arrangements to create a comprehensive plan aligned with your investment risk attitude, objectives, and ESG priorities. We then analyse your current position, define your financial goals, and present tailored recommendations, with all relevant fees confirmed after the initial discussion and becoming chargeable upon agreement to proceed.
The cost of the financial plan depends on the complexity of your circumstances, as follows.:
This service is for clients who need help understanding where they are financially.
Basic Financial Review
A simple documented review of current arrangements in relation to your objectives, orientated to meet a particular need (such as retirement income) with generic recommendations.
This service is for clients who require detailed analysis of their current financial arrangements such as existing pensions and investments.
Full Financial Review
A fully documented review of your assets and liabilities and net worth; current and projected income and expenses (e.g. projected into retirement); insurance policies, retirement provision and other investments, including an analysis of current product and fund features and estimated inheritance tax liabilities with generic recommendations to meet your broad financial objectives.
This service is for clients who require detailed analysis of their current financial arrangements such as existing pensions and investments.
Full Financial Review
A fully documented review of your assets and liabilities and net worth; current and projected income and expenses (e.g. projected into retirement); insurance policies, retirement provision and other investments, including an analysis of current product and fund features and estimated inheritance tax liabilities with generic recommendations to meet your broad financial objectives.
If following receipt of your financial plan you choose not to proceed to implementation, these fees may be subject to VAT.
If you proceed to implementation, the charge for your financial plan will be included in your total fee.
Step 3 – Making it Happen (implementation)
Once we have discussed your financial plan with you in full detail and it sounds like something you would like to go ahead with, we will proceed to implement the changes we have recommended and agreed with you. If you proceed to implementation the charge for your financial plan will be included in your total fee (subject to our maximum fees) and the fees can be deducted directly from the investment product.
2.5% of amount invested on the first £100,000
2% of amount invested on the next £150,000
1.5% of amount invested on the next £250,000
Min advice implementation Fee £250
- Pension top-ups
- New monies ISA/GIA
- New monies Investment
- Regular Contribution Pension / Investment
- Junior ISA
2.5% of amount invested on the first £100,000
2% of amount invested on the next £150,000
1.5% of amount invested on the next £250,000
Min advice implementation Fee £250
- Pension Switch (Defined contribution)
- At retirement – Taking benefits (new Client)
- At retirement – Taking benefits (Existing Client) Flat fee £500
- Investment replacement
- ISA Transfer (min Fee £750)
Step 4 – Refine (Progress Check)
Following implementation, you may wish to take up our ongoing advice service. Our review services offer regular meetings and communications tailored to your needs, ensuring your financial plan stays on track as life changes. We provide ongoing support, monitor your plan, make adjustments when needed, connect you with trusted professionals and offer peace of mind through clear, reliable advice.
Your ongoing fee will be calculated based on your initial investment amount and will be reviewed depending on any increase or decrease to your investment value. These fees will be deducted from your investment product.
The annual cost will depend on how much you have invested with us:
Other Fees
Mortgage Advice
A flat fee of £795, payable on application. (We will also be paid commission from the lender)
Defined Benefit Pensions
This service requires an extensive discovery meeting. We charge a fixed fee of £500 plus VAT payable on receipt of our written report as part of the Abridged Advice. If you proceed to full advice the cost of abridged advice (excluding VAT) will be discounted from the full advice fee.
Ad-Hoc Advice
If you do not wish to subscribe to an ongoing service as described above under ‘Stage 4 – Refine’, we provide many services on an ‘ad-hoc’ basis. Should you require any services as noted below, or bespoke work to be carried out, we will be able to tailor a specific service.
An additional fee may be required, typically calculated in accordance with our hourly rates, as shown at the bottom of the table below.
We will provide a clear indication of the approximate fee prior to any work being carried out and will depend on individual circumstances, but are typically:
| Face to face meeting to review your financial planning, confirm your existing provisions, and & identify areas of need and/or concern | £750 |
| Advice and recommendation to address an agreed area of need / concern (e.g. retirement planning, estate planning, investment solution) | £750 |
| Additional research fee per existing pension scheme | £250 |
| Advice on withdrawing money from your retirement funds | £500 |
| Regulatory & taxation updates | £49 p.a. |
| Annual valuation | £152 |
| Annual risk profile questionnaire | £252 |
| Additional reviews | £400 |
| Quarterly E-Newsletter facility | £30 p.a. |
| Pure time related hourly rate work | £152 |
| Implementation fees standard |
