How we charge

Fair and transparent fees

We charge a fee for our services.

That’s not unusual; all financial planners charge for their services. Our difference is we keep our initial fees and charges low in order to demonstrate our desire to invest in a long-term relationship.

We aim to provide you with a first-class service and deliver value for money by building up a long-term solid relationship with you and your family. That is why we invest a lot of time at the outset of the relationship, making sure we get to know you, and the life you want to live.

So we provide an initial consultation at our expense. That’s right: we don’t charge you a thing. This meeting helps us understand your financial objectives and confirms how we will help you achieve them. We will discuss our services and costs, both initially and throughout our relationship with you.

It may be that we’re not the right planner for you; in which case we’ll point you in the right direction.

We then move forward to do a financial review and recommendation. This will include an initial fee but we aim to keep these far lower than the industry standard, to demonstrate our desire to invest in a long-term relationship.

On accepting our recommendations, we can then implement them – subject to a fee – and start to work together, on a long-term basis. The ongoing service is vital and the fee is based on the amount of investments we are looking after for you.

We don’t charge fees for our protection (insurance) services as we will normally receive commission from the policy provider. You will not be subject to VAT for this service.

Where’s the value?

The value of our advice comes from seeing how your wealth can work for you. It comes from the peace of mind of working with a true financial planner, utilising cash flow modelling tools to show how your financial well being will hold up in certain ‘what if’ scenarios.

It comes with the reassurance that all our fees will be explained, discussed and agreed before we undertake any chargeable work for you.

To find out more, take a look at ‘Why choose us?’.

What our clients say

We have used Advice Matters to advise us and manage our finances for over 20 years. At this stage in our lives, we are now seeing things come to fruition and have peace of mind financially that we have reached our goals.

Our friend in Kendal

We've been talking since 1999

I'm very grateful for all Chris's good, solid and useful advice in planning for the future years!

Our friend in London

We've been talking since 2014

I was a bit scared about having a financial adviser until I met Chris Wheatman. He quickly put my mind at rest; no rushing, no selling, just keeping all information simple, in a language I could understand.

Our friend in Bolton-le-Sands

We've been talking since 2019

I have worked with Advice Matters since the business started. Between us, we have regularly reviewed my choice of investments and investment performance. I am pleased to say I am ready for retirement now at the age of 55.

Our friend in Wilmslow

We've been talking since 2004

I have used Advice Matters for about 20 years and have always found them to be a knowledgeable and professional team. My loyalty is to Chris Wheatman personally as he has always been my point of contact. Changing circumstances require changing advice and he has always been able to adapt financial products in a needs-appropriate way.

Our friend in Brazil

We've been talking since 1999

I have been dealing with Advice Matters since I started my first job when I was 17 years of age. The advice that has been given over the past 27 years has been great. Whether it was when I took out my first pension, right through to owning my own house and having to take out life insurance. A company I can recommend to any friends knowing they will be well looked after.

Our friend in Windermere

We've been talking since 1992

Advice Matters have changed my view of IFAs, with a client-focused approach, and a genuine concern for my priorities. I feel that with Chris and his team I have someone really competent at my side.

Our friend in Hereford

We've been talking since 2016

Reviews and Ratings for Financial adviser Chris Wheatman, Lancaster
Karen Faithfull Jeff Ellis Margaret McCaskie Steve Vickers Richard Freeman Richard Rigg Mark Trepte

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Advice Matters is a trading style of Advice Matters Financial Planning Ltd which is authorised and regulated by the Financial Conduct Authority: 779172