Fee-Only Planning

What we do

Fee-Only Planning Ltd. has a non-profit educational role and provides papers, books and self-study courses for the individual in the UK and Europe, and MasterClasses in Financial Planning for the practitioner and business owner.

We also provide a complete system solution for the Fee-Only firm, at a fixed annual fee for software.

About our CEO

Rob Noble-Warren won the first Financial Planner of the Year competition in the UK, is one of three people to be qualified in financial planning at the CFP™ level in both the USA and the UK, and is also a Chartered Tax Advisor with the Institute of Taxation in the UK.

Writing for the consumer magazine 'Bloomberg Money', and with a tax column in 'Real Adviser', Rob has provided a consistently high standard of work, combining writing skills with in-depth experience.




Annual charges

Here's a worksheet to explore annual charges on traditional unit trusts, savings and pensions. Put in your figures, press the calculate button and look at the "Total charges every year" row.

A. How much I have invested in units trusts and funds, including personal pension funds

B. How much I have in cash ISAs, self-select ISAs, TESSAs and self invest pensions

C. How much I trade within (A) every year, on the average

D. How much I save in the savings and pensions in (A) every year

Amend the above figures, click on the button, and see what difference it makes:-

I can possibly save (every year)

which is calculated as follows:-
What I pay for traditional post-Sandler
administration of the contract
policy fees of the contract
choosing which markets to invest in (asset allocation), or 'selecting the funds' not provided
administration of the funds
investment selection within the funds
commission on new premiums and transfer
buying and selling charges for the year
Total charges every year

For information of 'post-Sandler' products, search the articles for 'wrap account'.