Chapter3 charges fixed fees for the initial planning and the ongoing work that follows. The fee reflects the complexity of your position and the work involved. It does not automatically rise because markets have risen or more money has been invested.
Most advisers charge a percentage of the money they look after, typically around 1% a year. Chapter3 charges a fixed fee agreed in advance, based on the work involved, and it does not change because your investments have grown.
At £1 million, a 1% annual adviser fee is £10,000. At £2 million, it is £20,000. The portfolio has doubled, but the work involved may not have.
A fixed fee means you know the cost in pounds before anything starts, the fee is the same whether your money is in a pension, an ISA or a company, and there is no incentive for the adviser to prefer the option that puts more money under their management.
Read Fixed Fees vs 1% of Everything →A one-off fee for building the plan, making the recommendations and putting the agreed structure in place.
See the 4 bands ↓A fixed monthly fee based on the complexity of the plan and the work required during the year.
See the 4 bands ↓The exact fee is agreed before any work begins. Platform, fund and product charges are separate and shown clearly.
A rough shortcut. Try the calculator below or send a quick note if you want a more precise range.
Many advisers charge a percentage of the money they manage. I prefer to agree the fee in pounds.
That means the cost does not automatically increase because your portfolio has grown or a business has been sold.
It also means the fee does not depend on whether the right decision is to invest, hold cash, repay debt, fund pensions, make gifts or leave money inside the company.
Chapter3 will not always be the cheapest option. The aim is a clear fee linked to the work, complexity and responsibility involved.
Seven quick questions, one at a time. The output is an indicative tier and range — not a quote.
Who are we planning for?
A trading company you control, not just shares you hold passively.
Across pensions, ISAs, GIAs, corporate accounts. The long-term money.
Each pension, ISA, GIA, bond or corporate account counts.
Drawing income from what you have built, or close to it.
IHT, gifting, trusts, family investment companies.
Accountants, solicitors, tax specialists I would need to co-ordinate with.
The initial fee covers the financial plan, cashflow modelling, advice, suitability work and the implementation of the agreed recommendations.
Generally suitable for a straightforward piece of advice involving one pension, ISA, GIA or investment wrapper.
Limited tax complexity and no business, trust or estate-planning structure.
Generally suitable for higher-rate taxpayers, owner-managed business owners or retirement clients with several pensions or investment accounts to organise.
May include pension consolidation, wrapper planning and broader tax-year advice.
Generally suitable where the planning includes more complex pensions, corporate investing, retirement drawdown or several connected financial decisions.
May also include commercial property or more detailed business and tax planning.
Generally suitable for business exits, multiple companies, family wealth, trusts, inheritance-tax planning, corporate investments, property or wider professional coordination.
Once the initial plan is in place, the ongoing fee covers the work required to keep it current. It is billed monthly and reflects the same level of complexity as the initial work.
For simpler household planning involving one or two wrappers and limited tax complexity.
Usually no business, trust or estate-planning work.
For higher-rate taxpayers, owner-managed business owners or retirement clients with several pensions, ISAs or investment accounts.
Includes regular tax-year and investment planning.
For business owners, pre-retirement households and clients with several connected planning needs.
May include pension strategy, profit extraction, corporate cash, retirement income, tax coordination and annual cashflow updates.
For high-complexity ongoing relationships involving business exits, multiple entities, family wealth, trusts, inheritance-tax planning, corporate investments, property or extensive professional coordination.
These figures are starting points rather than guaranteed prices. The final fee reflects the agreed scope of work. Chapter3 does not currently charge VAT.
Where your circumstances or planning needs are particularly complex or more extensive than those described above, initial and/or ongoing fees may be agreed on a bespoke basis. Any bespoke fee will be discussed and agreed with you in writing before the relevant work begins.
Book a 30-minute introductory callNot everyone wants an ongoing relationship, and that is a legitimate choice.
The Lifestyle Financial Plan is the planning work on its own — three weeks, two meetings and a written plan that is yours to keep. A fixed fee of £2,500, with no ongoing commitment. If you later decide you would like Chapter3 to look after the plan year to year, the £2,500 credits against your first year of ongoing fees.
The Lifestyle Financial Plan →Cashflow-based planning showing where you are now, what the money needs to do and how the position changes over time.
Company cash, extraction, pensions, allowances and tax-year decisions considered against your wider plan.
Globally diversified investments, wrapper strategy and a clear plan for drawing income where relevant.
Documented recommendations, regulated implementation, annual reviews and direct access when something material changes.
The work may include a Freedom Number, pension and extraction planning, corporate cash, protection, annual cashflow modelling and exit-route comparisons.
The work may include pension and ISA coordination, retirement-income planning, cash reserves, tax-efficient withdrawals and annual spending reviews.
The work may include post-sale investment structure, staged investing, tax coordination, family gifts, inheritance-tax planning and longer-term income design.
These are illustrative examples. The final tier and fee depend on the actual work required.
At Chapter3, initial planning starts from £1,500 and ongoing planning from £200 a month. Both are fixed fees, set across four bands according to the complexity of your position: initial fees from £1,500, £3,000, £5,000 or £8,000, and ongoing fees from £200, £300, £500 or £750 a month.
Some advisers charge a percentage of the money they manage instead. Chapter3 does not: the fee is agreed in pounds before any work begins.
The initial fee covers the financial plan, cashflow modelling, your investment strategy (globally diversified investments, the right mix of pensions, ISAs, GIAs, corporate investment accounts, investment bonds and other accounts, and a clear plan for drawing income where relevant), advice, suitability work and putting the agreed recommendations in place.
The ongoing fee covers keeping the plan current: annual reviews, investments regularly monitored and rebalanced where needed, tax-year planning and direct access when something material changes.
Yes. The 30-minute introductory call has no fee and no obligation. If it looks like a fit, I'll explain the likely scope and fee range, and a short written summary follows either way.
No. Chapter3 is based in Chorlton, south Manchester, close to Didsbury, and works with clients across the UK. Meetings can take place by video or phone.
No.
For a smaller or very straightforward portfolio, a percentage-based service may cost less.
Fixed fees tend to become increasingly competitive as assets grow, but the main difference is that the cost is linked to the work rather than the amount invested.
The published figures are the starting prices for each tier.
The final fee depends on the scope, complexity, implementation work and ongoing responsibility involved. It is agreed with you before work begins.
The initial fee normally covers the financial plan, recommendations, suitability work and implementation of the agreed advice.
Where a client wants planning without implementation, the fee and scope can be agreed separately.
Yes, but not automatically because your investments have risen.
The fee may change if the work becomes materially more or less complex, or following a periodic review of the pricing structure. Any change is discussed and agreed in advance.
A 30-minute introductory call is usually enough to understand your situation, the likely scope of work and the fee range that would apply.
Book a 30-minute introductory call