Our pricing is made up of two parts.

Design & Build.

A one-off project to design and build your financial plan. At the end of this project, you will know exactly what you need to do for a secure financial future.

From £1,550

The cost is based on the complexity of your personal circumstances. Once we understand this, we'll provide you with a fixed quote for the work - this won't change.

Progress.

Our ongoing support ensures your plan remains on track. We will determine the Tier that is best suited to your needs.

From £100 per month

Foundations

Our streamlined offering for those with less complex circumstances.

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From £300 per month

Core

Our planning service for those with more complex circumstances.

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From £2,500 a month

Family Offering

Our most sophisticated offering for multi-generational families

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Client Examples.

We believe our pricing is fair, transparent and offers genuine value.

Here are several hypothetical scenarios based on real people’s needs and planning requirements to give an indication of how our costs work.

Claire & James

Ages: 61 and 63

Occupations: Retired

Primary Goal: To have the financial freedom to enjoy retirement and spend time doing the things they love with the people they care most about.

The Situation: After successful careers, Claire and James retired 18 months ago and are now making the most of their new-found free time. On the run-up to retirement, they were keen to look at how they could tick off their holiday bucket list during the early years of retirement. This is now a plan in action.

In their spare time, they want to help out with their grandchildren who haven’t all started school yet.

The Planning:

Claire and James have saved carefully over the years and have had a plan in place for some time to help them work towards a comfortable retirement. They own their home outright and would be happy to stay there for the foreseeable future.

They both have full state pension entitlement and Claire has a final salary pension paying c£10,000 per year.

They have built up a retirement pot of £450,000 across ISAs, pensions and a joint investment account. It is very important to them that their life savings are invested to provide a long-term source of income.

They have a plan that incorporates:

An annual meeting to recap the year gone and plan out the year ahead.
Cashflow modelling to ensure they stay on track for a secure retirement.
A review of their low-cost and tax-efficient investment strategy to ensure it remains aligned with their planning needs.
Reviewing their income plan which needs to provide regular income to fund their day-to-day life plus ad-hoc lump sums to fund their trips.
To make sure they are using the opportunities and tax allowances available to them, effectively.

This is a breakdown of the costs for their ongoing advice.

The advice cost is £250 per month, equivalent to 0.70% per year *
The investment and product costs are 0.49% * *

Effective Total Cost: 1.19% * * *

The costs:

Aaron & Lisa

Ages: 28 and 30

Occupations: Software and cyber security business owner

Primary Goal: To have financial security for their family and their future.

The Situation: Aaron runs a profitable business with his business partner and is currently turning over £650,000. They have several employees, including Lisa, who works part-time for the business. It has been a tough few years to build this up, but now they are at the stage where he and his business partner can start to increase their income and think more about the future.

Aaron and Lisa have an 18-month-old daughter. Within the next 5 years, they would like to move into a family house as they plan to have another child and want more space with a bigger garden.

In the longer term, there is an expectation they will be able to sell the business and if all goes to plan, this will allow them financial independence. They do not think they will stop working but having a plan in place that gives financial security is key to their peace of mind and understanding what they need to do to get them there.

The Planning:

Aaron and Lisa are focusing on the next 10 years, making the most of the opportunities available to them. At the top of their list is financial security for their family.

Aaron is keen to make the most of the opportunities available to him through his business. Cash flow isn’t yet sufficient to maximise pensions on top of their income needs, so there is a balance to be stuck each year.

They have a plan that incorporates:

Planning focused around the business tax year to allow more accurate tax and income planning.
Automating contributions into their pensions and ISAs to minimise admin.
Tax planning around their income and investments.
Topping up their investments with ad-hoc lump sums depending on how the business is doing.
A low-cost evidence-based investment approach that aligns their savings with when it might be needed.
Ensuring retirement savings are taking a long-term view looking to maximise growth.
A balanced investment approach with their other savings which could be needed in the medium term.
Plan for childcare costs in the short and medium term.
Putting a small amount away each month for their daughter's future.
A review of the business protection to ensure Aaron and his business partner have sufficient shareholder and key person protection.
Annual planning meeting to check where they are and map out the year ahead.

They have built up a savings of £170,000 across pensions, ISAs and an investment account. The plan is to add £20,000-£30,000 to this each year.

This is a breakdown of the costs for their ongoing advice.

The advice cost is £175 per month, equivalent to 1.23% *
Planned increase to assets over the year will reduce the effective advice cost to 1.10%
The investment and product costs are 0.50% * *

Effective Total Cost: 1.73% in year 1 moving towards 1.63% towards the end of the planning year. * * *

The costs:

Phillip & Emmy

Ages: 42 & 44

Occupations: Architect & Marketing Consultant

Primary Goal: To support themselves and their family and to be able to live life on their terms without the fear of money running out.

The Situation: Phillip and Emmy both have established limited companies providing a comfortable lifestyle and opportunities to plan for the future.

In the next 5 years, Phillip and Emmy would like to move out to a countryside town. They want a bigger house where their 2 kids have more space and they are close to their preferred school. They have a house and flat in London. The house would be sold to fund a move but the flat might be kept and rented.

They enjoy taking 1 or 2 nice holidays each year and would like to be financially independent by their mid-50s.

Emmy has built a marketing business and in the future sees the current management team buying her out through an MBO. Phillip sees his business as a lifestyle business. It has a steady flow of work and while he could grow it, he is happy with his current team of 2.

They would like to buy a holiday home as they approach retirement, potentially in Spain or Portugal. This would only be possible if Emmy can exit her business at a suitable value.

The Planning:

Phillip and Emmy’s focus is on investment, tax and income planning. There are lots of moving parts and they want to make sure their money is where they need it, when they need it.

Emmy received an inheritance from a grandparent a few years ago and wanted to make sure this was invested properly.

They want a proactive approach and they are keen to look at all options including tax-focused investing to help manage their tax position.

Their planning covers both personal and business assets.

Bi-annual planning meeting to review where they are and to map out planned investments for the next period.
Cashflow modelling to ensure they know their numbers.
Automated investments into their pensions and ISAs for convenience and consistency.
Low-cost evidence-based investments aligned to their planning objectives.
Ad-hoc investments during the year when cash permits including the occasional tax-advantaged investments (VCTs/EIS) to support income planning.
Regular investments for the children.
Cash management and investment portfolios for their businesses’ surplus cash.

In their businesses, Phillip and Emmy have c£1.5M which is an even mix of cash and investments.

Phillip and Emmy have £650,000 across various investments and pensions which are being added to.

This is a breakdown of the costs for their ongoing advice.

The advice cost is £925 per month, equivalent to 0.96% per year *
The investment and product costs are 0.47% * *

Effective Total Cost: 1.43% per annum * * *

The costs:

Ash & Sarah

Ages: 55 and 54

Occupations: Chartered Engineer and GP

Primary Goal: To have the freedom to enjoy their lives and to have confidence in their families futures.

The Situation: Ash and Sarah are parents. They have two adult children who have now both moved out with their oldest having just had their first child meaning Ash and Sarah are grandparents too (even if they feel too young for it).

Ash is a Chartered Engineer and Sarah is a GP working 4 days a week. They are both employed and earn well.

Since the children moved out, Ash and Sarah have more money to spare and they want to make sure they use this so can stop working in the next 7-10 years, inline with part of Sarah’s final salary pension.

Ash and Sarah feel they might downsize from the family home in the longer term and this will depend on how much they enjoy travelling and how much time they think they will actually spend at home. They have slightly different ideas on what this would look like but agree they can’t move too far away from their kids.

Both Ash and Sarah have the option to reduce their working days so they can phase retirement in. While an attractive thought, this makes them both a little uncomfortable.

When they stop working, Ash and Sarah want to spend time with their growing family and to take regular trips around Europe and to see friends around the UK throughout. They also have a bucket list of amazing places they would like to visit in the 5 years immediately after stopping work but unsure if this would be possible.

They are building up a substantial retirement pot and want to make sure their wealth is safe and looked after to provide them with the life they want and a legacy for their family.

The Planning:

Ash and Sarah want to focus on making sure their wealth is invested appropriately to balance their own needs and their desire to eventually leave a legacy to their family. Their planning focuses on:

Annual planning meeting to review their current position and investments to make sure they are on track.
Cash flow modelling to:
- Track their planned spending in retirement.
- Accurately map out their plans, with a focus on the first 10 years of retirement.
- Help consider phased retirement.
- Consider their option of downsizing.
- Look at gifts for their children.
A second meeting to go over tax planning, to use their tax allowances and to confirm pre-tax year end investments including pension annual allowance calculations and investing surplus cash.
Regular savings into their ISAs and now a Junior ISA for their grandchild.
To manage investment risk through suitable asset allocations and considering the time frames of their objectives.
Plan to be debt free by the time they stop working.
Mapped out plan for their holiday spending ensuring they have the confidence to book these trips.
Legacy planning including various gifts for their children
High level conversations with their children to help them get their own basic plans in place.

Ash and Sarah have a portfolio valued at £2.5million spread across pensions, ISAs and investment accounts. They will continue to add to this until they stop working.

This is a breakdown of the costs for their ongoing advice.

The advice cost is £1,075 per month, equivalent to 0.51% per year *
The investment and product costs are 0.44% * *

Effective Total Cost: 0.95% per annum * * *

The costs:

* The monthly fixed advice cost is confirmed annually and would not change unless agreed. As the value of your assets change, the fee as an equivalent percentage will change. As assets grow, the advice fee shown as a percentage will fall, and if the value of assets reduces, the equivalent percentage will rise.

* * Investment and product fees are set by external providers and not controlled by Finova Money.

* * * The effective total costs are designed to allow a comparison as a percentage. This consists of the fixed £ planning fee as a percentage of assets under advice plus the investment and product fees which are percentages.