Our Pricing
At Transform, we believe in clear, transparent pricing—no hidden surprises and no jargon. Our approach ensures that you know exactly what you’re paying for and how it’s going to help you achieve your financial goals.
Implementing Your Financial Plan: £895 + 0.5%
Once we’ve created a plan that feels right for you, we’ll take care of the details and help put it into place — step by step. You can relax knowing you have expert support to keep things on track as life evolves. We charge £895 plus 0.5% of the assets we advise on, capped at £6,000.
Protection Products: Commission-Only
For protection products such as life insurance or income protection, we’re paid by the provider—there’s no additional cost to you for arranging these products.
Evolve Management: 1% Annually
Once your financial plan is in place, for an annual fee of 1% of the assets we manage, you’ll have ongoing support, expert care, and the confidence that your money stays aligned with your goals as life changes.
Minimum Fee: £2,500 annually, capped at £26,000.
The Evolve Management package includes the following:
✅ Annual Review
A dedicated time each year to check in with your financial planner, celebrate progress, and adjust your plan to keep you moving confidently towards your goals.
✅ Continuous Portfolio Management
We keep a close eye on your investments and make careful adjustments when needed, so your portfolio stays aligned with your goals and gives you peace of mind through every stage of life.
✅ Client Portal
You can access your investments 24/7 through a secure client portal.
✅ 'ICE' Pack
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✅ Your Trusted Sounding Board
Life rarely stands still — and when things change, it helps to have someone you trust to talk things through. We’re here to be your sounding board, offering clarity and direction when new opportunities or challenges arise, so you can make confident decisions with the support you need, whenever you need it.
Why Consider the Total Cost?
When evaluating financial service providers, it’s essential to consider the total cost of your financial management, not just the fees you see upfront. Here’s what to look out for:
- Service Fees: Are they clearly explained and do they reflect the value you’re receiving?
- Provider and Investment Charges: Some fees, such as platform or investment management charges, may not be immediately obvious. We provide a full breakdown of all costs.
- Hidden Charges: Be aware of extra charges like transaction fees or fund switches.
- Commitment to Transparency: Does the provider offer clear, upfront information, or are there any ambiguous terms?
At Transform, we provide straightforward, competitive pricing with no hidden fees. This means no surprises—just high-quality advice and support designed to secure your financial future.
Cap on Maximum Fees: Peace of Mind
No matter the complexity or level of your investments, we cap our maximum total charge at £26,000 annually. Even if your portfolio grows, you’ll never pay more than this amount in combined ongoing fees, providing cost certainty and peace of mind as your wealth increases.
To give you a clearer picture, below are some examples of what our fees would be for people with different levels of financial complexity.
Example 1
Senior Executive with Low Financial Complexity
James is a marketing director in his mid-40s with two young children. He’s financially comfortable, with £800,000 in pensions and investments, but has never worked with a financial planner before. Keen to understand his retirement prospects, make smart investment decisions, and protect his family, James is seeking clarity and a long-term plan for the first time.
Fee for Advice & Implementation
- Financial Plan Creation: £3,995
- Implementation: £895 + 0.5% of £800,000 = £4,895
Total cost for our advice and implementation: £8,890
Fee for On-Going Management
James’ total investible assets = £800,000
- On-going Management: 1% of £800,000 = £8,000 per year.
Example 2
Married Couple with Medium Financial Complexity
Sarah and David are both professionals in their early 50s. With two children at university, they are juggling tuition fees, mortgage overpayments, and early retirement aspirations. They’ve accumulated £1.5 million across pensions, ISAs, and investments, but lack a joined-up strategy. They’re ready to bring order to their finances and ensure everything is working toward shared goals.
Fee for Advice & Implementation
- Financial Plan Creation: £5,495
- Implementation: £895 + 0.5% of £1,500,000 = £8,395 (capped at £6,000)
Total cost for our advice and implementation: £11,495
Fee for On-Going Management
Sarah and David’s’ total investible assets = £1,500,000
- On-going Management: 1% of £1,500,000 = £15,000 per year.
Example 3
Business Owner Exiting with High Financial Complexity
Hamish is a 43-year-old founder preparing to sell his engineering business for £16 million. His financial affairs are complex — spanning business assets, pensions, ISAs, and property. He wants to minimise tax on exit, secure a lifelong income, and ensure his legacy is protected for his children and charitable causes. Strategic, holistic planning is essential.
Fee for Advice & Implementation
- Financial Plan Creation: £7,995
- Implementation: £895 + 0.5% of £16,000,000 = £80,895 (capped at £6,000)
Total cost for our advice and implementation: £13,995
Fee for On-Going Management
Hamish’s total investible assets after the sale of his business = £16,000,000
- On-going Management: 1% of £16,000,000 = £160,000 which is capped at £26,000 per year.
The Cost of Doing Nothing
Putting off planning for your financial future can end up costing far more than the initial fee for our expert support. With thoughtful planning and intentional decisions, you’ll gain clarity, confidence, and a strategy that helps you make the most of your money for years to come.
FAQs
Why does the cost of the financial plan vary between £3,995 and £7,995?
The fee depends on the complexity of your financial situation. Simpler cases with fewer moving parts typically require less time and analysis, whereas more complex circumstances — such as business ownership, multiple income sources, trusts, or estate planning — require a more detailed, tailored approach. We’ll confirm the exact fee after your free initial consultation.
What does the 0.5% implementation fee cover?
This fee covers the hands-on work of putting your financial plan into action — including setting up investments, coordinating with providers, handling paperwork, and making sure everything is aligned with your strategy. It ensures your plan doesn’t just sit on paper, but becomes a reality. This fee is capped at £6,000 for peace of mind.
Can I choose to implement the financial plan myself?
Yes. After your bespoke plan is presented, you’re under no obligation to proceed with implementation through us. You’re welcome to use the insights and recommendations to act independently — or return to us at any time should you need support later on.
What’s included in the ongoing 1% Evolve Management fee?
The ongoing fee covers full investment management, annual reviews, continuous financial planning support, access to your client portal, and expert guidance as your circumstances change. It ensures that your finances evolve with your life and that you always have a professional to turn to when decisions need to be made.
Are there any hidden fees or third-party charges I should be aware of?
No hidden fees — we pride ourselves on transparency. We’ll clearly explain any third-party costs (such as investment platform or fund charges) and provide a full breakdown as part of your proposal. You’ll always know exactly what you’re paying and why.
What if my investments grow — will my fees increase indefinitely?
No. While the Evolve Management fee is 1% of assets, it’s capped at £26,000 annually. This ensures you benefit from future investment growth without ever paying more than the agreed maximum. It’s our way of aligning with your success while keeping costs predictable.
Get in Touch
Ready to take control of your financial future with confidence?
Book your free discovery consultation and start the journey toward financial security and peace of mind.
Transform Financial Planning (FP) is a trading style of Bridge Investments Partners Ltd. Bridge Investments Partners Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/ under reference no. 608975.
Registered in Scotland. Company Number: SC456760. Registered Address: 19 Monktonhall Place, Musselburgh, Scotland, EH21 6RR.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Regulations, levels and bases of taxation are subject to change. The value of your investment can go down as well as up and you may not get back the full amount you invested.
The Financial Conduct Authority does not regulate Inheritance Tax Planning, Business Planning, Will Writing, Taxation and Trust Advice. The firm is not responsible for the content of external links. The content is aimed at UK residents or residents of MiFID countries. See our Website Terms of Use.
Making a Complaint
If you wish to register a complaint, please email hello@transformfp.com or write to us at Transform FP, Compliance Officer, 129-131 Comely Bank Road, Edinburgh, EH4 1BH UK, or telephone us on 0131 315 222.
A summary of our internal 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 0800 023 4567.
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