Advisory Services & Transparent Fee Schedule
Clear, predictable financial planning fees with zero hidden commissions. Discover our 4-stage client engagement framework and comprehensive ongoing service tiers.
Our 4-Stage Client Engagement Journey
We believe in complete mutual alignment before any commitment. That is why your first two advisory meetings are provided entirely free of charge.
Stage 1: Complimentary Initial Discovery Meeting
A complimentary, no-obligation introductory consultation to explore your current financial circumstances, life aspirations, retirement horizons, and values. This meeting gives both sides the opportunity to ensure mutual fit and establish clear objectives.
Stage 2: Comprehensive Provider Analysis & Data Audit
With your formal authorization, Regent Wealth directly contacts your existing pension trustees, insurance providers, and investment platforms. We perform a thorough audit of underlying asset allocations, historic performance, legacy charging structures, and valuable policy guarantees.
Stage 3: Personalised Recommendation Presentation
A second complimentary meeting where we present our comprehensive financial proposal and bespoke strategy report. We outline exact cashflow modelling, tax mitigation architectures, recommended portfolio allocations, and full fee disclosures.
Stage 4: Implementation & Ongoing Stewardship
Upon your agreement to proceed, we execute all agreed recommendations — handling paperwork, transfers, platform onboarding, and tax wrapper setups. You transition seamlessly into your selected ongoing review service tier.
Transparent Fee Schedule
We believe that advice charges should be fair, simple, and fully aligned with your long-term wealth compounding.
Initial Implementation Charge
Our standard initial onboarding charge is a flat 0.50% of the assets brought under our active management (excluding non-advised cash savings).
Representative Calculation: On a £150,000 pension consolidation or investment transfer, the one-off onboarding fee is exactly £750. This fee can be settled via direct electronic invoice or deducted directly from the pension/investment wrapper for tax efficiency.
Ongoing Service Levels Comparison Table
Compare our two ongoing service levels to determine which tier matches your life stage and complexity.
| Plan Attribute & Inclusions | Lite Tier | Core Tier (Recommended) |
|---|---|---|
| Target Client Profile | Wealth accumulators with straightforward financial requirements | Complex financial architectures (nearing retirement, business owners, estate planning) |
| Annual Ongoing Advisory Fee | 0.75% of Assets Under Management | 1.00% of Assets Under Management |
| Representative Fee on £150,000 Portfolio | £1,125 per annum | £1,500 per annum |
| Minimum Annual Ongoing Fee | £1,000 per annum | £1,000 per annum |
| Annual Suitability Review | Online via Secure Video Conference | Delivered In-Person or Online (Client Choice) |
| Pension Planning & Consolidation | ✓ Included | ✓ Included |
| ISA & GIA Tax Wrapper Planning | ✓ Included | ✓ Included |
| Investment Management & DFM Oversight | ✓ Included | ✓ Included |
| Tax-Advantaged Investing (VCT / EIS) | ✓ Included | ✓ Included |
| Risk Management & Insurance Review | ✓ Included | ✓ Included |
| Professional Coordination (Accountants / Solicitors) | ✓ Included | ✓ Included |
| Workplace Benefits Review | ✓ Included | ✓ Included |
| Retirement Income & Decumulation Strategy | ✗ Not Included | ✓ Included |
| Inheritance Tax (IHT) Strategy & Gifting | ✗ Not Included | ✓ Included |
| Lifetime Cashflow Modelling & Stress Testing | ✗ Not Included | ✓ Included |
| Business Exit, FICs & Succession Planning | ✗ Not Included | ✓ Included |
| Next-Generation Family Advice | ✗ Not Included | ✓ Included (Initial advice fees waived for children) |
Mortgage & Property Finance Partnerships
Wealth management and property financing are deeply intertwined. Through our established strategic partnership with Hayes Finance (founded in 2004 by our Co-Founder Kieran Hayes), we offer clients access to premier borrowing solutions.
Hayes Finance provides whole-of-market residential mortgages, specialist property finance, and equity release facilities designed to complement your broader wealth strategy.
Equity Release & Lifetime Mortgages
Unlocking residential property wealth tax-efficiently for retirement income, home improvements, or family gifting.
Bridging Finance Facilities
Short-term liquidity solutions for chain-break situations, auction acquisitions, and fast capital deployment.
Property Development Funding
Senior debt, mezzanine finance, and development facilities for residential schemes and commercial projects.
International & Expatriate Lending
Financing UK prime property for expatriates, foreign nationals, and complex multi-jurisdiction ownership structures.
Schedule Your Free Discovery Meeting
Experience our transparent, evidence-based approach firsthand. Book your complimentary initial meeting with Amit Mehta today.