Our flat-fee approach is fairer and more transparent.
As a values-led, people-first business, we don’t believe in benefitting from your wealth.
Unlike far too many traditional financial advisers, we don’t charge percentages or present you with confusing data and variable, inexplicable fee structures.
We operate a simple, flat-fee service that is calculated based on the time and effort it takes us to guide you to make good decisions with your wealth.
This is very different to the norm in the financial services industry. The norm is to charge an annual fee based on a percentage of your investment, regardless of the performance of that investment or the work involved in managing it.
If this is how you currently pay for advice, do think about the long-term implications. Too many people don’t realise it’s a very expensive way to buy financial services, as the illustration below shows.
Standard IFA Model vs Xentum Model
Standard IFA Model
Investment of £750,000
with 7% example growth over 15 years
Total advisor fee (1%)
£185,797
Total return
£1,779,696
Xentum Model
Investment of £750,000
with 7% example growth over 15 years
Advisor fee (£6000)
£90,000
Total return
£1,918,500
We created Xentum to show people there’s another, more honest way to invest your money – which can truly benefit our clients.
The decision to be different
We adopted a fixed-fee model because we understand the powerful impact of compounding on our clients’ wealth. Compounding generates exponential growth by earning returns on both the initial investment and accumulated returns over time. Our mission is to protect and grow our clients’ assets for their families’ futures while providing cost-effective, transparent service.
Though markets fluctuate, history shows consistent long-term growth. By eliminating percentage-based fees, we ensure more of our clients’ money works for them. In the traditional percentage-based investment model, fees can erode wealth over time by reducing the compounding effect, as a portion of the returns is continually taken as fees.
Our consistent fee structure reflects our belief that clients should fully benefit from their investment growth. By charging a fixed fee, we align our interests with our clients, focusing on delivering exceptional service and real value. This approach upholds our values of integrity and accountability, ensuring that our clients’ best interests are always our top priority.
Ongoing support
The fee for your WealthPlan™ strategy is £2,495. If we implement your WealthPlan™, this fee will be deducted in full.
For ongoing management of your investments, we operate a tier system (shown opposite) based on the complexity of your needs.
Once we have determined which tier you’ll require, we’ll charge you an annual fixed fee to manage your financial plan and investment portfolio. It’s as simple and transparent as that.
-
1Tier 01
Portfolio up to £500,000
Our fee: £3,000 per year -
2Tier 02
Portfolio up to £1.5m
Our fee: £6,000 per year -
3Tier 03
Portfolio up to £3m
Our fee: £9,900 per year -
4Tier 04
Portfolio of £3m+
Our fee: from £15,000 per year, based on complexity.
Our tiers are for illustrative purposes only. While they give a good indication of our fixed-fee structure, the tier your fall into will be confirmed once we know you better. For example, if you have a portfolio valued at £3m+ but your arrangements are straightforward, we’ll only charge you Tier 2 fees.
Uncompromising transparency.
The key to our flat-fee structure is you will always know exactly what you’re paying for and what you’ll get back so you can make an informed decision.
Of course, some investments will have fees that are out of our control, such as platform or management fees. But, if there are costs like these involved in your strategy, we’ll provide you with a clear and comprehensive breakdown before any investments so you can see exactly where your money is going.
Make your money work for you.
If you would like to know more about our services and transparent charges, please get in touch or book an introductory call with a member of our financial planning team.