Pricing & Terms of Service
Terms of Business with Moneytree Wealth Management
These terms of business apply between our firm and its clients. These terms apply until further notice and should be read in conjunction with our ‘Guide to Our Service’.
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
You do not need to pay anything for this meeting or commit to taking your relationship with us any further at this stage. This gives us both the opportunity to see if we can work together and if our services would add value to your life.
Step 2 – Financial Plan
Detailed Information Gathering
Although we will take basic information from you at your initial meeting; in order to create a detailed Financial Plan we will need to create a full picture of your situation.
This may include details of your Income and Expenditure, Assets and Liabilities and we may need to find out more information about your existing pension, investment and/or protection arrangements.
We will also discuss in detail your Attitude to Investment Risk, your investment objective and ESG priorities.
Creating and Presenting Your financial plan
This is where we find out more about you and what you want to achieve. We’ll analyse your current position and help you define your financial and lifestyle objectives. We will then present our report to you and make our recommendations for how you can achieve your financial and life goals. It may be as simple as making a few changes. Sometimes it may involve compromises to help you achieve your aims. We will always be supportive but most of all, we will be honest and upfront.
Financial Plan Fees
All costs and charges relevant to you will be confirmed after our initial discussion. Once you agree to the work, it will become chargeable. If no further work is undertaken leading to an actual investment; it is likely that VAT is due on these fees.
If you proceed to implementation the charge for your financial plan will be included in your total fee (subject to our maximum fees).
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.
Typically, clients on this level of service have fewer than three pensions or investments. Clients normally fall into the basic rate tax band and do not need any detailed tax planning advice.
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 the your broad financial objectives.
Clients who are retiring imminently and need help planning for the future would also fall into this category.
This is a bespoke service for clients with more complex planning needs, either due to their income tax position or complex pension tax allowances.
Full Financial Review
A fully personalised review covering all the areas in the Full Financial Review. However, we will also cover specialist advice areas such as complex pension advice, detailed estate planning involving multiple trusts, and detailed investment advice involving analysis of multiple complex tax consequences within existing investments.
Typically, clients using this service have more complex circumstances due to their level of income or their level of savings. It involves intricate tax calculations and complex solutions that we need to research and analyse. We should know if this applies to you in our first meeting.
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 |
