- info@humboldtfinancial.co.uk
- Swan House, 33 Queen St, London, EC4R 1AP
- 020 3031 9187
We think we can help 99% of people we meet to become more financially savvy, so we absorb the costs of the first meeting we have.
In this initial chat, we aim to impress you with some unique planning ideas, add more value to your existing plans or get some money back in your pocket from tax planning. If we can’t do any of that, we will shake hands, thank you for the opportunity and there are no fees for you.
We typically save clients an average of £11,000 of tax per year, although this obviously is not guaranteed with each and every client, each and every year.
If we impress you and you decide to work with us to improve your current finances, we can be paid in one of three ways: fees directly from a plan (common), an adviser charge from a mortgage or protection provider (common), or as an hourly charge (uncommon). During the second meeting, we will walk you through all the likely charges and you can let us know if you want to proceed with us.
As an example, if you think we have good ideas and you wanted us to manage your pensions, we charge 1% of the funds we manage, so if you had £50,000, we would charge £500 per annum directly from your pension. Pretty straightforward, right?
Occasionally, some products that we advise on may have exit fees (such as early repayment charges on a mortgage). We will outline all of these potential charges to you as part of the setup, so there are no unexpected costs if your financial plans change in the future. The vast majority of plans do not have exit fees, so if you feel the provider has done as much as they could and you wish to work with someone else, there are no costs to leave.
No. Your initial meeting with Humboldt Financial is completely free. We use this session to share planning ideas, highlight potential savings, or suggest improvements to your current financial plans. If we can’t add value, there’s no charge.
We offer a simple, transparent, tiered advisory fee based on the level of engagement you choose. For example, pension management is charged at 0.75% of the funds we manage (e.g., £375 per year on £50,000). Fees can be paid directly from your plan, via an adviser charge from a provider, or as an hourly charge.
No hidden costs. Most of the plans we advise on do not have exit fees. If a product does carry charges—such as early repayment fees on a mortgage—we explain these clearly upfront so there are no surprises later.
While results vary, our clients typically save an average of £11,000 per year in tax planning. However, this is not guaranteed for every client. Our aim is always to provide clear advice, add value, and improve your financial position.
The Financial Conduct Authority does not regulate will writing, taxation and trust advice and some forms of Buy to Let mortgages. If you wish to register a complaint, please email louise.bliss@humboldtfinancial.co.uk. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and 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.
Humboldt Financial Limited is a FCA regulated company (reference 826457) https://register.fca.org.uk/
