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At Mosaac Financial, we believe in being open and transparent about our fees. Your initial meeting is always at no cost to you. This session allows us to discuss your goals, explain how we can help, and agree on any potential fees before any work starts.
Our adviser will discuss all fees with you and agree charges before any work commences.
Fee Categories
Our fees fall into two main categories:
Initial Advice
The initial fee depends on the size of the investment and the complexity of your financial plan. We use a clear, tiered structure to ensure fairness and transparency, so you know exactly what to expect before committing.
Example:
Investing £150,000 → Initial fee 2.5% → £3,750
Payment Options:
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Deducted directly from your investment
-
Paid separately from your own funds
-
A combination of both
Ongoing Advice
Ongoing advice ensures your financial plan remains up to date and aligned with your goals. The service level is agreed individually with your adviser and tailored to your needs. This guarantees your plan continues to meet your objectives as circumstances change.
Example:
A client placed on a Bespoke level with two annual reviews → Minimum annual fee £4,000
Payment Options:
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Paid annually or monthly
-
Deducted directly from investments
-
A combination of both
Chartered Financial Planner Fees
For more complex advice or highly specialised areas, a Chartered Financial Planner may be required. A Chartered Planner can provide expert guidance, combining professional experience and advanced technical industry qualifications to deliver tailored solutions for advanced financial planning needs.
Example:
A client choosing a Premium level with one annual review → Minimum annual fee £1,750
Payment Options:
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Paid annually or as agreed with the adviser
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Deducted from investments or paid directly
-
A combination of both
Service Level | Review Frequency | Minimum Annual Fee |
|---|---|---|
Select Plus | Biennial | £700 |
Premium | Annual | £1,250 |
Premium Plus | Annual | £2500 |
Bespoke | Biannual | £4,000 |
Service Level | Review Frequency | Minimum Annual Fee |
|---|---|---|
Premium | Annual | £1,750 |
Premium Plus | Annual | £3,000 |
Bespoke | Biannual | £4,500 |
Ongoing Advice
*Additional Service Agreements are in place for our Business Clients and for those just starting out on their Wealth Building Journey. Ask your adviser for details