At Howard Wright Financial Planning, we provide expert financial advice tailored to every stage of life, whether you’re planning for retirement, growing your wealth, or managing financial transitions.
We proudly serve clients across the UK, helping individuals and families navigate their financial futures with confidence.
Our transparent approach ensures you understand the services we offer and the costs involved at each stage of your journey.
Our Core Services and Charges
Discovery:
Understand your financial situation and identify shortfalls in your provision across the main financial planning areas of retirement planning, investments, tax efficiency, estate planning and protection. Our summary will allow you to quantify and prioritise your objectives and ascertain the costs of addressing any shortfalls you may have.
Initial Advice Services:
If you engage us to provide advice this will be provided in a written report, the production and presentation of which will be subject to an hourly rate of £250 per hour (which may be subject to VAT). For certain types of work, we can agree a fixed fee before proceeding. The implementation of any investment arrangement will be subject to a percentage implementation fee. An example of our core services and charges is below.
Establishment of suitable retirement and investment products for regular or single premiums.
Assessment of suitability of your existing retirement or investment products with a recommendation as to whether to maintain or consolidate your arrangements.
£1,750 report fee. If recommendations to replace products are implemented then 1% of the total value of the existing arrangements that are to be replaced capped at £4,000, inclusive of the report fee. For example consolidation of £200,000 of pension plans will cost £2,000 inclusive of the report fee.
Assessment of suitability of the options to provide your retirement income, including an analysis of any existing pension and investment arrangements and implementation of suitable retirement income products.
£1,750 report fee. If recommendations to replace products are implemented then 2% of the total value of the existing arrangements that are to be replaced capped at £4,000, inclusive of the report fee. For example purchasing an annuity with £200,000 of pension plans will cost £4,000 inclusive of the report fee.
Establishment of suitable protection arrangements.
As an alternative to an hourly rate / fixed fee, we can receive commission from the provider which will be capped at £10,000. Where we are paid by commission we will tell you the amount before we carry out any business for you. Although you may pay nothing to us up front that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your protection product.
Ongoing Services
Assessment of Suitability:
Each year the suitability of your financial plan and investment contracts will be assessed in terms of any changes to your personal financial situation and / or legislation at a face to face meeting with your adviser. In between meetings our portfolio communication service will keep you updated with the performance of your plan.
1% of the value of your investment contracts. For example an investment value of £200,000 will equate to an ongoing charge of £2,000 per annum.
Ad-hoc Ongoing Advice:
Any ongoing advice which falls outside the scope of the Assessment of Suitability, will be subject to our hourly rate of £250, which may be subject to VAT and may increase in the future.
What Our Clients Say
Mr & Mrs Eldred
“HW supported and advised us on all our pension, investment and inheritance concerns. As a result, we completely changed direction. We couldn’t be happier.”
Mrs Garbett
“I have received excellent service and advice from Howard Wright. The team are most helpful andalways polite and efficient. I would have no hesitation in recommending this company.”
Mr & Mrs Francis
Mrs Unsworth
Mr Brewer
Mr Gear
Contact Our Team
Call Us
Visit Us
Oaktree Rise
Codsall
WV8 1DT
