Fees
A fair, transparent fee model that puts your interests first.
The big question: Is financial planning worth the cost?
Financial planners and advisers will vary in how they charge. At Saltoro Capital, we understand that your costs form a key part of your overall decision-making process. That’s why we’re transparent about our fees from the start.
As our client, the actual fees you’ll pay depend on what you want to achieve with your finances, and how you choose to work with us. Crucially, the amount payable will be mutually agreed upon before you commit to working with us.
Our fee philosophy
We offer a simple process with full disclosure of fees at every step of the way.
Facilitating an initial meeting
Held at no cost to you, guaranteed.
What’s included:
- A friendly, no-obligation discussion about your goals and how we can help you achieve them
- An initial assessment of your financial position
- A plain-English explanation of the likely charges that might apply in your circumstances, and what you’ll receive in return
Creating your financial plan
Typically charged as a fixed fee, agreed in advance.
What’s included:
- Contacting third parties to gain an accurate picture of your existing finances
- Producing an in-depth plan demonstrating our expert recommendations
- Holding a meeting to present and discuss your plan and address any queries you may have
Implementing your financial plan
Charges may be discounted by the cost of creating the financial plan, and are usually charged as a small percentage (between 0% and 3%) of any initial investment or, if preferred, a fixed one-off fee.
What’s included:
- Completing product transfers and liaising with third parties to establish your portfolio
- Handling all paperwork and administrative tasks needed to set up investment and savings accounts
- Keeping you informed of progress at every stage, with a small, dedicated team as your main point of contact
Providing ongoing lifetime support
Charges are flexible and depend on the nature of the services required, but typically around 1% per annum of any assets under our management. For larger portfolios, we’re able to offer discounted rates on a case-by-case basis.
What’s included:
- A meeting at least once a year to review progress and performance
- Monitoring of your assets, investments, and overall portfolio
- Liaising with third-party providers to make adjustments and updates as required
- 24/7 access to our online client portal where you can view your holdings
- Regular newsletters with commentary and insight from our experts
The true value of financial planning
A good financial planner can help you take advantage of wealth-building opportunities you may otherwise be unaware of, and avoid costly mistakes. According to research by the International Longevity Centre, people who received professional financial advice over many years were nearly 50% better off than those who sought advice on a one-off basis. But the benefits go beyond the figures.
A study by Royal London found that professional advice improves emotional wellbeing too – helping people feel less anxious, more in control, and more confident about their financial future. So, while knowing what you’re paying for is vital, it’s just as important to understand the real advantages of what you’re getting in return.
To bring this point to life, download our free PDF on the key benefits of financial advice, from investments and tax planning to behavioural guidance and a raft of other surprising advantages.
Useful resources
From market updates to specialist insights, frequently asked questions to comprehensive guides, browse a range of practical resources written with you in mind.
visit our resources library