Our fees

When you’re choosing a financial planner, you need to be confident that you’re getting advice worth paying for. Discover more about how we charge here.

Adding value from day one

Your first meeting with one of our financial planners is completely free and comes with no obligation. It’s our opportunity to get to know you, and for you to decide if we’re the right fit.

In this meeting, we’ll:

  • Get a clear picture of your current situation
  • Discuss your financial goals and how we can help you achieve them
  • Explain exactly how our advice can add value to your financial plans.

You only pay us a fee once we have mutually agreed on the work we’ll be doing for you.

If you’re ready to chat, you can contact us directly to arrange your initial meeting, which is completely on us. Or, if you’d like to learn more about our fees first, please keep reading for the full details.

What we charge for

Our fees are straightforward and transparent, so you always know what you’re paying for. We charge in two ways:

Initial advice and implementation fee

This fee covers the work we do to get your financial plan in place. It includes:

  • Analysing your unique financial circumstances and objectives
  • Creating your bespoke financial plan and finding the right solutions for you
  • Putting your plan into action.
Ongoing advice fee:

This fee is for our continued support after your plan is up and running. It covers:

  • Continually monitoring your plan to make sure you stay on track
  • Adapting to any changes in your life or new legislation.

Our charges mean that we can continue providing expert advice to people like you. We’re not paid by product providers, which means we’re not tied to their products and can stay completely independent. We strongly believe this leads to better outcomes for you.

The value of our work

We believe our advice should always be worth more than it costs. That’s why we won’t ever begin work for you unless we’re confident that our services, and our fees, will offer you clear value.

The gains you can see
Some of the value we add is easy to measure. Over the years, you’ll see the results of our work in black and white – on your statements and in your bank account.

The gains you can feel
Other gains are less easy to put a number on, but they’re just as valuable. This is the peace of mind that comes from knowing your finances are being expertly managed, and the confidence to focus on the things that matter most to you.

The true value of advice

It’s hard to put a price on your future security and peace of mind. Our work is all about helping you avoid costly mistakes, spot beneficial opportunities, and feel confident in your decisions.

This isn’t just our view. In fact, research by Royal London and later by Vanguard, indicates that people who receive financial advice feel more confident about the future and more financially resilient.

Ultimately, the real value is in the reassurance our clients gain from working with us and knowing their financial future is in safe hands.

See what clients have to say about us

We could just tell you how we help, but it’s better to hear it from the clients we have helped.

Show all client videos

When you’re ready, we’re here

We’d love to hear from you. Whether you’re ready to start planning or just have questions, take the first step and get in touch.

    Achieve Financial Planning Ltd is authorised and regulated by the Financial Conduct Authority. Registered in Scotland: Registered Number SC367766. Should you wish to register a complaint, please write to or telephone James Sinclair using the information provided above. A summary of our complaints handling procedures for the reasonable and prompt handling of complaints is available on request. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 08000 234567.

    Privacy policy Cookies policy

    Copyright 2026 Achieve Financial Planning

    Back to top

    Achieve Financial Planning
    Powered by  GDPR Cookie Compliance
    Privacy Overview

    This website uses cookies so that we can provide you with the best user experience possible. Cookie information is stored in your browser and performs functions such as recognising you when you return to our website and helping our team to understand which sections of the website you find most interesting and useful.