What we do
People come to us with all types of queries. Whether you are trying to tidy up your finances, start some good savings habits or tackle a complex problem, we can help you on a bespoke basis.
Financial Planning fees depend on the work we do for you. Our minimum initial fee is £2,250 for new clients, ask us for a specific quote for your circumstances.
We also charge ongoing fees for any investments or pensions we set up for you (a common practice for financial planners) which covers the cost of ongoing reviews of your investments and regular financial planning updates.
The highest ongoing fee you will pay is 1% per annum (so £1,000 per annum on an investment of £100,000 for example which is paid monthly from your investment) . The percentage charge decreases for larger portfolios and as your portfolio grows over time and we offer discounts if more than one member of your close family work with us.
(including Stocks & Shares ISAs)
We can help you make the most of your annual allowances, consolidate or review existing investments and plan for all types of future expenditure to ensure you meet your goals without compromising your lifestyle.
Ethical Investment Advice
We have always offered access to ethical portfolios for those clients who prefer this. There are an increasing number of funds available which are, in general, performing as well as traditional 'non-ethical' funds. We are more limited in the funds we can select, however, as the universe is smaller and there are not ethical funds in every asset class. If ethical investment is important to you, let us know.
Long-Term Care Planning
We can help you work out the best way to plan for old age.
We can help you ensure that your children or grandchildren get off to a good start.
Working alongside solicitors, we can help you work out how best to protect what you have built up over your lifetime or how best to pass it on.
Some aspects of Estate Planning are not regulated by the Financial Conduct Authority.
Whether you are consolidating old pension plans, trying to decide whether you can retire or trying to understand how best to take an income at retirement, Rose & North can help.
We can help you start a pension, review a pension, consolidate pensions or simply de-mystify them.
We can even help you with annuity purchase.
Unfortunately we are unable to transfer existing pensions into any pension you manage yourself (such as a workplace scheme or a SIPP you have set up yourself).
We can work alongside your solicitor to best advise you on the financial implications/considerations at this time.
We can also make recommendations on the most suitable mortgage product or arrangement to suit your needs.
Family, Mortgage and Income Protection
We can help you ensure that you and your family is protected should you suffer a serious illness, be unable to work or when you die.
Insurance is usually done on a commission basis so no direct fees are payable for this work.
Mortgage advice is subject to our £645 administration fee which covers the time taken to gather information from you and do research and we are then paid commission by the lender if you go on to accept our recommendation.