People often apologise before they ask what we charge. As if it's a slightly rude question.
It isn't. It's one of the first things you should know, and you shouldn't have to dig for it.
So here's how it works with us.
You'll hear the fee early, in the first proper conversation, before you've agreed to anything. It's a flat fee, based on your stage of life and how much there is to look after. It's written down. It doesn't change because markets went up or down.
If it ever does change, we'll tell you, and we'll tell you why. It won't turn up in small print.
After that, we stop talking about it. You won't hear about our fee in every meeting. Meetings are for whatever's on your mind, and that's very rarely what you pay us.
There's one question we don't start with, which is how much you've got to invest. It matters eventually. It's just a poor place to begin. We'd rather understand what you're hoping for, and what's been bothering you, first. The numbers make more sense once we know that.
And if, once you've heard the fee and what it covers, it doesn't feel right, that's fine. Better to say so at the start than to feel uneasy about it a year in. We're not the right fit for everyone and we don't try to be.
So ask. It's a short answer.