Fee Structure

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(1) Smart Finance 360° – Lifestyle Financial Planning

  • Our first meeting is designed to identify areas where we can help and does not include specific financial advice. The fee for this meeting is €175.
  • To develop your financial plan: €1,250.
  • To implement our recommendations and provide support during first year: €600.

(Fees may be subject to VAT)

  • On completion of the implementation phase we agree the level of ongoing annual support you require. Our fees for ongoing annual support will depend on the complexity of your financial plan and the type and level of assets under management.
    Ongoing support ensures that your plan is kept up to date and takes account of changes in your personal circumstances, regulation, legislation and the economy. Ongoing support will also enable us to review your protection needs, discuss the need to re-balance pensions / personal investments and ensure that you stick to the recommendations outlined in your financial plan.

(2) Financial Planning Advice

Our first meeting is designed to identify areas where we can help and does not include specific financial advice. The fee for this meeting is €175.

If you choose to engage our services on a fee only basis, our fee is €175 per hour. We will maintain a record of the number of hours involved and issue an invoice on completion of our engagement.

For complex cases or to reflect value, specialist skills or urgency our hourly rate ranges from €200 to €350 per hour. Where this arises we will notify you in advance and agree the scale of fees with you.

(3) Product Implementation

Where the need to implement a pension, investment or protection product arises, you are free to engage us or the services of an alternative provider for advice and to arrange the product for you. If you choose to engage us, we will treat this as a new engagement and one that is separate to our Smart Finance 360° and Financial Planning Advice services. Where remuneration is payable to us by a product provider we will disclose this to you or you may opt instead to pay a fee for the advice and work involved.

  • Protection Business

This includes Income Protection, Life Cover, Specified Illness Cover and Mortgage Protection Cover. Product providers usually pay remuneration to us that is equivalent to the first year’s premium.

  • Pensions & Personal Investments

Single Premium Investments: 

1% to 3% of the initial investment.

0.5% of the assets under management.

Regular Premium Investments:

Life Companies:

15% of the first year’s premium and 0.25% of the assets under management.

Or

1% to 3% of the regular contributions and 0.5% of the assets under management.

(This structure applies to any future increases in premium)

Platforms:

1% to 3% of the regular contributions.

0.5% of the assets under management.

(This structure applies to any future increases in premium)

Unless you wish to pay fees directly to us, the fees and / or the commissions we receive are incorporated in the allocation rates, annual management charge / Ongoing Charging Figure for pension and / or personal investment plans and they are deducted directly from your plans.

The commission paid to us for protection products is incorporated in the premium quoted.

  • Deposits

Commission of 0.2% is paid by the provider and this does not affect the rate you receive.