Your financial wellbeing is our top priority, and we are committed to providing bespoke advice with fair and straightforward fees to support your financial goals.
By openly sharing how we charge, we aim to help you make informed decisions and feel confident in the value of the services we provide. Below, you can see what we charge and what service you will receive in return. You can also view our mortgage fees below.
Financial advice fees
We will take you through our financial planning process if you require advice on pensions or investments. Please be aware that we have a minimum investment amount of £200,000. We charge at two stages during this process: Initial Advice fees and Ongoing Advice fees.
Initial Advice fees
The first stage we charge for during the process is our Initial Advice. This will include everything from our discovery meeting to implementing our recommendations on your behalf. If you would prefer, you can implement our recommendations yourself.
Your Initial Advice fees include:
- Discovery meeting where we review your present situation and identify current needs and future objectives
- Findings meeting
- Building your financial plan and choosing the appropriate services or products
- Producing a written report detailing any recommendations
- Implementation of our recommendations
- Ensuring you are kept informed of progress where necessary.
Ongoing Advice fees
Ongoing service in financial advice is crucial as it ensures that our advice and recommendations remain aligned with your evolving goals, life changes, and market conditions.
By providing continuous support throughout the year, we will provide timely advice, helping you feel confident and informed about your financial future.
Your ongoing service include:
- A minimum of one invitation to review your investments per year, which includes: A valuation update, reassessment of your attitude to risk and review of your investments against your objectives to ensure they remain suitable
- Proactive contact in the event of legislative or tax changes and appropriate planning thereafter
- Portfolio valuations at any time
- Unlimited face-to-face, telephone and email access to your adviser.
Examples of combined fees for financial advice
You have £250,000 of pensions and/or investments.
You would pay an initial fee of £2,500 and an ongoing fee of £2,500 per year.
You are a client with £500,000 of pensions and/or investments.
You would pay an initial fee of £5,000 and an ongoing fee of £5,000 per year.
Mortgage fees
If you require a mortgage, we will charge an initial fixed fee, and then procuration fees are paid by the lender to us once the mortgage completes. To be completely transparent about how we charge, we’ve highlighted both fees below:
Who we don’t work with
- People who are not transparent about their financial circumstances. This makes it difficult to provide sound advice
- People who expect immediate gains and don’t prioritise long-term financial health and stability
- DIY investors who prefer to manage their own portfolios
- People who believe they can consistently outperform the market, regardless of market volatility.
What our clients say
I was recommended Paul and Bryony as financial advisers by a friend. My husband and I were particularly interested to think about where to invest our savings. They have helped us to think about what level of risk we are prepared to engage with and explained the different possibilities very clearly and thoroughly, enabling us to maximise the potential of our investments. They also provide regular updates. We have been very pleased with their service and have already recommended them to others.
London
I have been a client of RMI since their foundation. Prior to that, I dealt with the directors for my own personal pension and our business pensions. This relationship as existed for the last 25 years. During this time, I have received first-class support and advice. I have always been kept informed on financial trends and opportunities. To this end I was able to plan retirement early if I wished. More importantly, I was able to choose the right opportunity as when to retire. Since retiring, I continue to receive the highest service and advice on fund management.
Ex General Manager
Leicester
We have dealt with Paul and his staff for over 20 years and have received a first-class service that is completely to our entire satisfaction. We would have no hesitation in recommending the company to anyone who is seeking financial advice.
Ex Non-Executive Director, Earl Shilton Building Society
Leicestershire
It’s a great comfort to have Paul Eason and his team on call if I have any queries or concerns about my finances.
Oxford
Paul Eason and Bryony Evans have competently managed our investments for the past twelve years. Their service has been managed diligently; they have provided consistency of advice for positive results. This has given us satisfaction and confidence in their ability to handle our personal affairs. Their research and advice are in-depth, concise and clear. They have demonstrated a thoroughness in all aspects of our personal financial planning.
Devon
Following a personal recommendation from a colleague some two years ago, Bryony and Paul provided advice to my wife and myself on planning for my forthcoming retirement. Latterly they have helped another family member on how best to invest a lump sum inheritance. On both occasions, they have guided us through the various options available, indicating the pros and cons in an easily understandable way. They continue to provide regular updates on how the investment is performing. We have always found them to be attentive, knowledgeable and a pleasure to deal with. We would have no hesitation in recommending them to a friend seeking an adviser.
Rutland
When you are investing, you need confidence to make decisive commitments. Paul Eason and Bryony Evans at RMI are true professionals that you can trust implicitly for commercial and personal advice and transactions.
Chairman, Cellular Mouldings Ltd
Northants
RMI not only deal with all our company's employee benefits schemes, but also provide invaluable support for us on a personal level. Nothing is too much trouble and we have found their service to be effective, efficient and friendly. We would recommend RMI to any company or private individual looking for a comprehensive and personal service.
Ex Directors of The Bright Consultancy Ltd
Bournemouth
Paul and Bryony have advised us for over ten years. They bring strong market knowledge and analysis to provide balanced views for investment decision making. This is then backed up by thorough administration - all delivered in a professional and easy-going manner.
Concept Shape Ltd
Cheshire
RMI Independent Financial Advisers have been assisting our clients with knowledge and insight into the world of pensions and protection for over 10 years. They have helped many of our company and personal clients navigate their options and meet the legislative duties around pensions and auto-enrolment in the most efficient way, whilst giving them the confidence to plan effectively for their future. We have no hesitation whatsoever in recommending their services to not only our clients, but to other professional connections.
Accountants
Wiltshire
Paul has been a trusted adviser to our business for over 20 years and he and Bryony continue to support us with our company pension scheme whilst providing first class financial advice. We would highly recommend RMI for anyone seeking a quality financial advisory service.
Managing Director, LINAK UK Ltd
Birmingham
I was looking at my potential retirement options and RMI were able to come up with a bespoke pension solution that enabled me to retire earlier than I had expected.
Not knowing how to plan for the future, I required advise about pensions and insurance policies and Paul has helped by being constantly available, calm and pragmatic.
Director
Paul was recommended to me by one of his clients and I was looking for a financial adviser who could help with a pension scheme for my employees and also for my personal plan.
Paul helped all the members of my team. He had time and patience and everyone individually with their various circumstances. He was also very helpful with my personal pension during the time I have my business. My personal circumstances have now changed and Paul’s advice has been invaluable.
Business Owner
