Our fee structure is straightforward, ensuring you know exactly what you're paying for without any hidden costs or complicated jargon.
We are proud to offer a fee-only service for most of our financial advisory services, ensuring our advice is always in your best interest.
Initial Charge
Our initial fee is typically 1% of the new assets under management (AUM), with a minimum fee of £1,500. This fee covers a comprehensive range of services, including:
Detailed anti-money laundering checks.
• Comprehensive financial fact-finding and risk profiling.
• Full initial investment and pension advice, including pension switching advice.
• Transfer of investments from previous platforms to AJ Bell Investcentre.
• Customized fund selection and tailored investment management advice.
Ongoing Annual Management Charges (AMC)
• £0 – £500k: 0.80% (Hamilton AMC) + 0.200% (Platform) = 1.00% Total
• £500k – £1M: 0.80% (Hamilton AMC) + 0.175% (Platform) = 0.975% Total
• £1M – £1.5M: 0.70% (Hamilton AMC) + 0.150% (Platform) = 0.850% Total
• £1.5M – £2M: 0.70% (Hamilton AMC) + 0.075% (Platform) = 0.775% Total
• Thereafter: 0.70% (Hamilton AMC) + 0.000% (Platform) = 0.700% Total
Investment Management Explanation
Our ongoing management fee ensures continuous monitoring and rebalancing of your portfolio, investment research, and regular reviews to keep your investments aligned with your financial goals. This includes:
Annual and half-yearly reviews, including detailed valuations.
• Ongoing financial planning and re-risking assessments.
• Investment research and market analysis.
• Routine tax advice and annual taxation reports for dividends and capital gains.
• Keeping you updated with HMRC pension and ISA rules.
• Meetings, including virtual options, to answer any questions and provide timely advice.
Initial Advice
Depending on the product, we may charge a fixed fee or receive a commission from the provider. Our independence and access to the whole market ensure you get the best product for your needs.
Ongoing Charges
These can be on a fixed fee basis or covered by the provider fees, depending on the specific product and agreement.
Fixed Fee Quote
Based on the specific advice and services you require.
We use the AJ Bell Investcentre for holding and managing investments. Their platform charges are competitive and transparent. For example, trading charges are just £3.95 per trade, significantly lower than traditional commission-based charges.
At Hamilton, we believe that everyone deserves access to high-quality financial advice, regardless of their financial standing. That’s why we have no minimum investment requirement. Our mission is to provide personalised, independent advice to all, ensuring everyone can start their financial journey with confidence.
As an advisory firm – as opposed to a Discretionary firm – dealing primarily in retail products like investment trusts and unit trusts, we are exempt from charging VAT on our services.
A portfolio worth £25,000 would cost £250 per annum, no VAT.
A portfolio worth £50,000 would cost £500 per annum, no VAT.
A portfolio worth £250,000 would cost £2,500 per annum, no VAT.
A portfolio worth £600,000 would cost £5,975 per annum, no VAT.
A portfolio worth £1 million would cost £9,875 per annum, no VAT .
A portfolio worth £1.5 million would cost £14,125 per annum, no VAT.
Note (1) Hamilton AMC is paid to Hamilton by AJBell on behalf of clients (2) As an investor in "Pooled" funds you understand that the funds themselves suffer their own charges - typically around 1%. We are obliged by the FCA to disclose these charges once a year. These charges are "internal" charges to the fund. Whilst these costs - on top of our own fees - may seem chunky you should know that these "internal" fees have already been priced into funds income and total return yields - accordingly they should not be aggregated with our own charges - this would give an altogether misleading picture.
Get professional financial advice, tax planning, and wealth management services from a team you can count on.
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