Fixed Fee Financial Planning Why Fixed Fees Are the Future of Financial Planning

How clarity, fairness and technology are redefining the value of advice.

The financial advice profession is changing, and fixed fee financial planning is leading the way. For decades, clients accepted percentage-based charging without ever questioning whether it was fair. That model belonged to another era, one defined by commissions and complexity.

Today, clients expect more. They want transparency, fairness and measurable value. The future of advice belongs to firms that prove what they do and what they charge. That is why Xentum’s approach is built entirely around fixed fees and our Movement of Clarity philosophy.

From complexity to clarity
Percentage fees once looked simple but were never transparent. When a portfolio rises, an adviser earns more, even if the workload stays the same. That disconnect erodes trust.

Fixed fees change everything. They connect price to service and replace uncertainty with evidence. At Xentum, we call this the Movement of Clarity, a way of working that keeps advice open, measurable and aligned with your goals. Learn more about this approach on our Movement of Clarity page.

Technology makes fairness practical
In the past, advisers said fixed fees were too complex. Now, technology has made transparency possible. Our Fixed Fee Calculator shows how each cost is built, based on time, expertise and regulatory work.

This removes guesswork. You can see your fee before you begin, understanding exactly what it covers and why. As a result, trust builds naturally because there are no hidden incentives only clarity.

A better model for advisers and clients
Fixed fees are not just good for clients; they help advisers too. Predictable income means firms can plan resources efficiently, focus on service quality and build stronger relationships. Growth comes from value delivered, not assets gathered.

This is financial planning as it should be: clear, collaborative and fair for everyone involved.

Aligned with Consumer Duty
The FCA’s Consumer Duty sets a higher standard for clarity and fair value. Many percentage-based models struggle to meet it, but fixed fees already do.

Every charge links directly to the service delivered. Clients understand what they pay and what they get, while advisers can evidence value with confidence.

Confidence through transparency
When clients understand their fees, conversations become more meaningful. Reviews focus on life goals rather than performance charts. Financial planning becomes about progress, purpose and peace of mind.

That confidence is what our clients value most knowing that advice is priced fairly and delivered openly.

The profession is catching up
Fixed fees are no longer experimental. They are becoming the benchmark for modern financial advice. Some firms are adapting slowly, but the shift is inevitable.

At Xentum, we’ve already made that change. Our model was designed to meet the standards of transparency and accountability now expected across the industry.

A movement built on clarity
Fixed fees are more than a pricing model; they represent a mindset of trust, fairness and partnership. They align adviser and client interests and make financial advice measurable and accountable.

That is what defines the future of fixed fee financial planning advice that is simple, fair and built on truth.

See the difference
Explore our Fixed Fee Calculator to discover exactly how we calculate value and cost. Each figure is built on data, not assumptions.

To learn more about how regulation supports fairness and transparency, visit the Consumer Duty overview.

Because the future of financial planning should be built on clarity, not percentages.