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Fixed Financial Planning Fees

At DFP, we believe financial planning fees should be clear, transparent and fixed.

That's why the fees we charge reflect the time, complexity and expertise involved in the service we provide.

On this page you'll find fees for:

Financial Plans
Ongoing Support
Mortgage Advice
Standalone Protection Advice

How We Charge

Unlike other financial advisors, we don’t calculate our fees as a percentage, nor are they generated by the sale of a financial product.

So, you can rest assured that you’re always getting impartial advice without confliction.

Prices will vary depending on the complexities involved in your personal circumstances and the advice we give you. The figures outlined on this page should give you an idea of what to expect, but we’ll provide an exact quote in your free, initial meeting.

Financial Plans

Free, Initial Meeting

All plans include an initial meeting, which is always at our cost. It’s an informal, no obligation chat about you and what you see for your financial future. It’s also a great opportunity for you to get to know the DFP team and how we work. From here, you can decide whether or not you’d like to proceed. Either way, there will be no cost to you.

We calculate our initial fixed fees based on the amount of time we estimate needing to spend on your work and the complexity of that work. Our hourly rates for a Chartered Financial Planner are £225 per hour. VAT may apply.

Whether you’re planning ahead, approaching retirement, or in retirement, each level of plan can be tailored to support your goals.

Standard

Starting from

£750

per plan

Plan Includes:
Straightforward planning advice, whether this includes a financial product or not
Review of an existing investment in a single ISA or Pension Plan
Putting regular savings, or a cash lump sum, into a single ISA or Pension Plan
A cash top up of an existing ISA, pension or non-complex investment, already deemed suitable by DFP

Intermediate

Starting from

£1,350

per plan

Plan Includes:
Review of more than one existing investment or pensions plan
'Approaching retirement' advice involving defined contribution pensions, a drawdown plan, or buying an annuity
A new cash investment into multiple investment such as ISAs, bonds, collective funds and pensions
Pension planning, which involves the use of carry forward relief and/or lifetime allowance protection in defined contribution schemes

Complex

Starting from

£2,250

per plan

Plan Includes:
Use or review of specialist investments incl. EIS, VCT, SEIS, trust investments, business property relief and unregulated schemes
Higher net worth scenarios where the plan involves multiple areas of need or arrangements to advise upon
Commercial Property transactions within a SIPP or SSAS
'Approaching retirement' advice or pension planning involving defined benefit (e.g. final salary) schemes.

Found a financial plan that works for you?

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Ongoing Support

Keeping You on Track

Once you’ve embarked on your journey with DFP, it’s important to keep your situation under regular review. Our ongoing support options will provide you with advice and regular updates. We’ll also advise you on any necessary amendments to your plan over time, to make sure you stay on the right track.

Your ongoing support will depend on your individual requirements and you’ll be charged on a monthly or annual basis.

 Lite ServiceRegular ServiceWealth Service
Yearly CostN/AFrom £750From £2500
Monthly CostN/AFrom £62.50From £208.33
Typical FeeAvailable on an ad hoc basis from £225 p/h, subject to a minimum of £750 per interaction.From £1,350 per year /£112.50 per month based on 6 hours work per year.From £3,375 per year /£281.25 per month based on 15 hours work per year.
About This Support PackageThis is a reactive service for clients whose needs are less complex. While you might not need regular, scheduled meetings regarding your investment portfolio or financial plan, you may require new work or ad hoc reviews. Unless you stipulate otherwise, with this package we will not keep in regular contact, nor offer ongoing suitability advice.Our regular service includes: annual planning, suitability review, updated cashflow – as required, portfolio reports, portfolio switches and rebalance, access to DFP’s online personal finance portal, and access to your DFP advisor in between regular financial planning meetings. We’ll also consider your wider financial and tax planning needsThe wealth service is typically used by higher net worth individuals and families with complex objectives. It includes everything in our intermediate plan, though planning and suitability meetings will be, at least, six monthly. With this service level, we can also accommodate certain bespoke requirements and will be more available to work in partnership with your other professional advisors, such as accountants or solicitors.

Lite Service

 
Yearly Cost
N/A
Monthly Cost
N/A
Typical Fee
Available on an ad hoc basis from £225 p/h, subject to a minimum of £750 per interaction.
About This Support Package
This is a reactive service for clients whose needs are less complex. While you might not need regular, scheduled meetings regarding your investment portfolio or financial plan, you may require new work or ad hoc reviews. Unless you stipulate otherwise, with this package we will not keep in regular contact, nor offer ongoing suitability advice.
 
Add to Cart

Regular Service

 
Yearly Cost
From £750
Monthly Cost
From £62.50
Typical Fee
Typical £1,350 per year / £112.50 per month based on 6 hours work per year.
About This Support Package
Our regular service includes: annual planning, suitability review, updated cashflow – as required, portfolio reports, portfolio switches and rebalance, access to DFP's online personal finance portal, and access to your DFP advisor in between regular financial planning meetings. We'll also consider your wider financial and tax planning needs.
 
Add to Cart

Wealth Service

 
Yearly Cost
From £2,500
Monthly Cost
From £208.33
Typical Fee
Typical £3,375 per year / £281.25 per month based on 15 hours work per year.
About This Support Package
The wealth service is typically used by higher net worth individuals and families with complex objectives. It includes everything in our intermediate plan, though planning and suitability meetings will be, at least, six monthly. With this service level, we can also accommodate certain bespoke requirements and will be more available to work in partnership with your other professional advisors, such as accountants or solicitors.
 
Add to Cart

Found a support package that works for you?

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Mortgage Advice

Residential Mortgages

Standard

£295

People who...
Are permanent employees
Are self-employed with at least two years’ consistent accounts
Have no unusual property or credit history concerns
 

Intermediate

£495

People who...
Have less than two years in self-employment
Are using Government schemes such as help-to-buy or shared ownership
 
 

High Complexity

£795

People who...
Have a history of adverse credit
Have fewer than 12 months self-employment history.
Are looking at non-standard properties or more than one mortgage
Have unusual salary arrangement

Please note, we may also receive commission from the mortgage lender. This will get disclosed in your mortgage illustration. DFP retain the commission, which is in addition to our chargeable rate.

Buy-to-Let Mortgages

Standard

£495

This is payable upon application for the research and sourcing of a mortgage product.

Intermediate

£795

For someone with adverse credit history or complex personal incomes. It can include non-standard properties or houses of multiple occupation.

High Complexity

£995

With some Buy-to-Let mortgages, ‘Special Purpose Vehicle’ arrangements are in place. This is payable at application for the research and sourcing of appropriate mortgage product.

Please note, we may also receive commission from the Buy-to-Let mortgage lender. This will get disclosed in your mortgage illustration. DFP retain the commission, which is in addition to our chargeable rate.

Found a mortgage plan that works for you?

Get Started

Found a mortgage plan that works for you?

Get Started

Standalone Protection Advice

We offer standalone protection advice to provide security for you and your family. This includes both guidance on, and the arrangement of:

  • Life Cover
  • Income Protection
  • Critical Illness Cover

For this service, we charge a fee of £495 on application. We will also retain any commission from the product provider when your plan goes into force.

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Call Us

Give us a ring today on 01253 600 597.

 

Important Information

The value of your investment can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.

The Financial Conduct Authority does not regulate tax advice.

Danbro Financial Planning Limited is an appointed representative of the Sense Network Limited, which is authorised and regulated by the Financial Conduct Authority. Danbro Financial Planning Limited is entered on the FS Register (www.fca.org.uk/register) under reference 796167. The information contained within this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services business aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit www.financial-ombudsman.org.uk.

Company number 11009261 registered in England. Danbro Financial Planning Limited Registered office address: Jubilee House, East Beach, Lytham St. Annes, United Kingdom, FY8 5FT.