Our fees

At Waterbridge, we take pride in being upfront and transparent about our fees. There won’t be any surprises, just clear information, certainty, and peace of mind every step of the way.

Initial meeting

We believe the initial meeting is a vital first step in your financial journey, so we offer it at no cost. This is an opportunity for us to get to know you, understand your goals, and explore your unique financial needs.

There’s no obligation to sign up to our services, just a chance to start the conversation

Research and exploration

Fee: From £750

Our research and exploration service includes:

  • Gathering information from providers
  • Assessing your risk appetite and capacity for loss
  • Assessing income and expenditure
  • Providing a financial plan.

We charge £750 minimum, but it can be more depending on the complexity of the information-gathering exercise. At this stage, we can give you an indication of how suitable your existing plans are. We do not currently charge VAT for our services.

Analysis and implementation

Our analysis and implementation service includes:

  • Analysing and reviewing any existing plans
  • Implementing the plans
  • Handle all the administration on your behalf
  • Provide you with regular updates.
Value of funds Charge (%)
£0 – £150,000 3%
Above £150,001 1%
Example 1

If you invest £60,000, our implementation fee would be £1,800. As this does not meet the minimum advice fee, the total fee payable would be £2,000.

Example 2

If you invest £300,000, our implementation fee would be £6,000 (3% of the first £150,000 plus 1% of the next £150,000).

Should you choose not to implement our advice, any fees are based on the work and time involved in getting to this stage. This is subject to a minimum fee of £1,500 payable on completion of the report containing our recommendations to you, regardless of whether the advice is implemented.

The minimum fee will be waived should you decide to implement any of our recommendations.

Ongoing service

It’s important to review your investments and financial plan annually, so we offer an ongoing service to all our clients. This is split into three different service levels, dependent on the amount of funds invested with us.

Core service

This service is for individuals with funds worth less than £150,000.

What’s included:

  • Telephone or Zoom meeting
  • Annual suitability review
  • Valuation summary
  • Attitude to risk and capacity for loss review
  • Office support
Premium service

This service is for individuals with funds worth between £150,000 and £499,999.

What’s included:

  • Face-to-face meeting
  • Telephone or Zoom meeting
  • Annual suitability review
  • Retirement income analysis
  • Valuation summary
  • Quarterly newsletter
  • Attitude to risk and capacity for loss review
  • Ongoing access to a qualified financial planner
  • Office support
Elite service

This service is for individuals with funds above £500,000.

What’s included:

  • Face-to-face meeting
  • Telephone or Zoom meeting
  • Goals-based financial plan
  • Income/expenditure review
  • Annual suitability review
  • Retirement income analysis
  • Valuation summary
  • Quarterly newsletter
  • Attitude to risk and capacity for loss review
  • Assess the impact of tax and legislative changes
  • Estate planning
  • Ongoing access to a qualified financial planner
  • Office support
Value of funds Charge per year (%)
£0 – £500,000 0.85%
£500,001 – £1.5 million 0.75%
Above £1.5 million 0.65%
Example 1

If you had funds worth £350,000, we would charge £2,975 per year. This would include all the Premium services listed above.

Example 2

If you had funds worth £550,000, we would charge £4,125 per year. This would include all the Elite services listed above.

You’re in good company

Working with clients and transforming their lives is our favourite part of this job. Rather than talking about what we do, we’ll let our clients share their stories and feedback.

Brian and Karen

Leonie and Steve

Lloyd and Donne

Rob and Anne

Russ and Fiona
99%

99%

of clients would recommend us to family, friends or work associates

96%

96%

believe working with us has helped or will help them to achieve their financial objectives

100%

100%

were satisfied that we understood their needs, aspirations and objectives

Get in touch with the team

Use the form here to get in touch with the Waterbridge team. Please provide as much detail as possible, and we’ll get back to you as quickly as we can.

    Waterbridge Financial Planning Limited is authorised and regulated by the Financial Conduct Authority. FCA number: 734536. Registered in England and Wales. Company number: 09883876 Registered address: 13 Market Street, Penistone, Sheffield, England, S36 6BZ.

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