Adding value to your future
Independent Financial Advisers
At Ellis Bates we are truly independent advisers and are able to provide you with unrestricted whole of market advice, free from conflict of interest or product provider bias, which in turns means you are given the best choices available within that marketplace.
When we meet with you, our only focus is to put you, and what you want your money to achieve at the very heart of everything we do, and we are not distracted by commissions or restricted in developing our recommendations for you.
Because we have a transparent and fixed charging system, we are able to focus on bringing about the best outcomes for you and your family.
Tailored to you: we tailor our financial advice to your own personal circumstances, and once we have a thorough understanding of your particular circumstances and goals, we will clearly set out the fees that will be involved, both as initial fees and ongoing, for you to consider before going ahead.
Seeking Financial Advice
Ben Clapham, Director of Financial Planning at Ellis Bates
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The Value of financial advice
Please head over to https://www.ellisbates.com/benefits-of-financial-planning/
At Ellis Bates, our Financial Advisers will be able to help you really understand your financial position and then be able to make qualified recommendations for your finances and explain the benefits of putting these financial planning actions in place.
Our Advisers use sophisticated cashflow modelling https://www.ellisbates.com/cashflow-forecast/ to help you develop lifetime financial plans and to bring your financial future to life.
We will work together to create a holistic, comprehensive financial plan to help achieve your goals.
Whether you are saving for your first house, want your money to work much harder for you or are approaching retirement and want to make the most informed decisions about your pension options, a Financial Adviser will offer expert, qualified advice at every stage of your journey.
Our Financial Advisers will help you with:
- Navigating important financial life events including marriage, divorce, changing careers, having children, taking career breaks and owning a business
- Overcoming financial difficulties
- Starting your investment journey
- Growing your investments
- Exploring new investment options
- Building and protecting your wealth
- Pension planning
- Pension consolidation and pension drawdown options
- Preparing for and planning your retirement
- Managing lump sums e.g. inheritance and bonuses
- Preparing for the unexpected
- Maximising all available allowances
- Avoiding unnecessary taxes and tax planning
- Later life and care fee planning
- Promoting good financial knowledge
- Creating a long-term, personalised financial strategy
- Using data-driven decision-making with cash flow modelling
- Being yours and your family’s go-to financial resource
- Your financial planning journey
The Ellis Bates Financial Planning Journey
This is your journey of becoming an Ellis Bates client and how you will be looked after every step of the way. We have extensive teams expertly trained in each stage and along with your Financial Adviser you will have your own personal team member who will be your constant point of contact at all times. Financial planning is a very personal journey and we look after you in a very personal way.
Our fee structure
If you are new to Ellis Bates your initial meetings are at our cost. You will meet with a Financial Adviser who will work with you to fully understand your financial situation and what you are looking to achieve.
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Your Adviser will work diligently and then put forward recommendations.
Value for money is more important than it has ever been and that is why we will explain all fees associated with your recommendations transparently and in plain English. It is important you understand the value of advice, what you pay and the impact it has on your future.
Our advice and implementation fees are up to 3% of the value of your advisable assets (pensions, savings, investments etc), subject to a minimum fee of £995. The type, complexity and work involved will also be taken into account. VAT is applied where these fees are not for intermediary services.
Payment options: the fees can either be paid upon proceeding with the advice, or split with an initial fee for the advice and a separate fee for implementation. Your adviser will discuss these options with you.
Ongoing financial advice fees: we charge a supervision and management fee to look after your funds (pensions and investments etc) throughout the year and this is 1% per annum of your portfolio value. We charge 0.2% annual fee for access to Ellis Bates Investment Portfolios and 0.1% for our Multi Asset portfolio and your Adviser will explain all of these charges and terms as part of making recommendations.
None of these fees are subject to VAT
Our stated goal is to ‘Enhance People’s Lives’ and we really do prefer for our clients to do the talking, and with over 900 4,8/5 star reviews we are very proud of the time taken by our clients to leave such positive comments.
“I have been delighted with the service I have received and the knowledge and expertise provided to enable me to make informed decisions. Nothing is too much trouble and all my queries have been answered clearly and concisely which has given me confidence and peace of mind. All appointments have been on time and responses have been efficient and timely. I am very grateful for the service I have received.”
“Carol scrutinised my savings and identified my underperforming accounts, as well as offering advice on alternative investment plans. She advised on maximizing the advantage of tax relief on pension contributions, which gave me the confidence to believe that my chosen retirement date is the optimum one.”