Xentum | Fees

Fees

Our fees explained

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Our fixed 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.

Xentum | Fees

Fixed fees makes a difference

We built a fixed fee calculator to offer transparency and fairness in our services. As a data-driven business, we know how low fees and smart investing deliver long-term benefits.

The calculator allows clients to estimate fees instantly, ensuring clarity and trust from the start. We don’t want to hide anything—we treat everyone how we’d want to be treated. No sales pitches—what clients see is what they get, reflecting our commitment to open communication and high-quality service.

Amount you would like to invest

Year ${currentYear}

Xentum investment return
(fixed fee)
${ investmentData.xentum.value[currentYear-1] | formatNumber } ${ xentumFiscalDifference | formatNumber } ${ xentumFiscalDifference | formatNumber }
Xentum fee Fixed based on complexity
Xentum portfolio ${xentum.platformFeePercent + xentum.fundFeePercent | formatPercentage} Platform & Fund Fee
After ${totalYears} years you will have ${ investmentData.xentum.value[investmentData.xentum.value.length - 1] | formatNumber } with fixed fees.
Industry average, investment return
(${industry.fee|formatPercentage} fee)
${ investmentData.industry.value[currentYear-1] | formatNumber } ${ industryFiscalDifference | formatNumber } ${ industryFiscalDifference | formatNumber }
Industry average adviser fee ${industry.fee | formatPercentage}
Industry average market portfolio ${industry.fundFeePercent + industry.platformFeePercent|formatPercentage} Platform & Fund Fee
After ${totalYears} years you will have ${ investmentData.industry.value[investmentData.industry.value.length - 1] | formatNumber } with percentage based fees.
Advanced settings
Projected growth ${projectedGrowth | formatPercentage}
Years ${totalYears}
Industry average implementation fee ${industry.implementationFeePercent | formatPercentage}
Industry average adviser fee ${industry.fee | formatPercentage}
Industry average market portfolio ${industry.fundFeePercent + industry.platformFeePercent | formatPercentage} Platform & Fund Fee
With a projected annual growth rate of ${projectedGrowth}%, your Xentum Portfolio will outperform its industry peer by ${ investmentData.xentum.value[currentYear-1] - investmentData.industry.value[currentYear-1] | formatNumber } ${ investmentData.xentum.value[currentYear-1] - investmentData.industry.value[currentYear-1] | formatNumber } at the end of Year ${currentYear}, as a result of our fixed fee structure and marginal gains. Investment amount is too low for any calculations to be made
Full breakdown

Chart

The impact of compounding, percentage-based fees over time can be seen in each graph below.

Swipe to view

Investment
Fees
Year 1
Fixed fees vs percentage
Xentum charges a fixed Implementation & Annual Fee, whilst the Industry average is to charge both of these with a percentage-based fee.
Include WealthPlan™
WealthPlan™ takes you and your family through a clear financial planning process so you can live life to the full, now and in the future. If we implement your WealthPlan™, this fee will be deducted in full.
 
Xentum
Industry avg.
WealthPlan™
${ wealthPlanFee | formatNumber }
Not offered
Implementation Fee
${ xentumImplementationFee - wealthPlanFee | formatNumber } (capped fixed fee)
${ xentumImplementationFee | formatNumber } (capped fixed fee)
${ industryImplementationFee | formatNumber } (${industry.implementationFeePercent|formatPercentage} fee)
Annual Service Fee
From ${ xentumManagementFee | formatNumber } (fixed)
${ industryManagementFee | formatNumber } (${industry.fee|formatPercentage} fee)
External costs
Platform & fund fee(s)
${ xentumPlatformFee + xentumFundFee | formatNumber } (${ xentum.platformFeePercent + xentum.fundFeePercent |formatPercentage})
${ calculateExternalFeePercent(investmentValue, industry.platformFeePercent + industry.fundFeePercent) | formatNumber } (${ industry.platformFeePercent + industry.fundFeePercent |formatPercentage})
Total
${ xentumImplementationFee + xentumManagementFee + xentumFundFee + xentumPlatformFee | formatNumber }
${ industryImplementationFee + industryManagementFee + industryFundFee + industryPlatformFee | formatNumber }
From Year 2 – Year 25

Compounding fees

When your investment grows by 7% every year, our fees don't increase. The Industry average does.
Xentum
Industry avg.
Year ${ index + 2 }

${ investmentData.xentum.fees.internal[index+1] | formatNumber } (fixed )

+ ${ investmentData.xentum.fees.external[index+1] | formatNumber } (${ xentum.fundFeePercent + xentum.platformFeePercent|formatPercentage } ext. )

${ investmentData.xentum.fees.internal[index+1] + investmentData.xentum.fees.external[index+1] | formatNumber }

${ investmentData.industry.fees.internal[index+1] | formatNumber } (${industry.fee}% )

+ ${ investmentData.industry.fees.external[index+1] | formatNumber } (${ industry.fundFeePercent + industry.platformFeePercent |formatPercentage } ext. )

${ investmentData.industry.fees.internal[index+1] + investmentData.industry.fees.external[index+1] | formatNumber }

Fees charged
After ${totalYears} years
${ investmentData.xentum.fees.total | formatNumber }
${ investmentData.industry.fees.total | formatNumber }
Investment return
After ${totalYears} years
${ investmentData.xentum.value[investmentData.xentum.value.length - 1] | formatNumber }
${ investmentData.xentum.value[investmentData.xentum.value.length - 1] - investmentData.industry.value[investmentData.xentum.value.length - 1] | formatNumber } ${ investmentData.xentum.value[investmentData.xentum.value.length - 1] - investmentData.industry.value[investmentData.xentum.value.length - 1] | formatNumber }
${ investmentData.industry.value[investmentData.industry.value.length - 1] | formatNumber }
${ investmentData.industry.value[investmentData.xentum.value.length - 1] - investmentData.xentum.value[investmentData.xentum.value.length - 1] | formatNumber } ${ investmentData.industry.value[investmentData.xentum.value.length - 1] - investmentData.xentum.value[investmentData.xentum.value.length - 1] | formatNumber }

Figures based on Which? January 2024 Industry average market figures.

Use of calculator - This information in this calculator is a guide only and should not be relied on as the fee payable by you. The price of shares and investments and the income derived from them can go down as well as up, and investors may not get back the amount they invested. Past performance is not necessarily a guide to future performance. We do not accept any liability for any loss or damage which is incurred by you acting or not acting as a result of using this calculator. You acknowledge that you use the information we provide at your own risk. The information contained in the document and/or website is for guidance only and does not constitute advice which should be sought before taking any action or inaction. Any fees payable by you will be discussed before you proceed with any recommendation.

We created Xentum to show people there’s another, more transparent way to invest your money – which can truly benefit our clients.

Xentum | Fees

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 use a tiered system (shown opposite), based on the complexity of your needs.

Don’t assume which tier you may fit into. We assess the work required to support you and your plan, then discuss it with you.

While it’s rarely mentioned, managing a £100,000 ISA is often similar to managing a £1,000,000 ISA. The difference lies in the zeros, but the work involved remains the same. Your accountant would likely agree. The value of your assets is merely a guide to your potential needs—nothing more.

 

  1. 1
    Tier 01

    Under £250,000
    Our fee: £1,500 per year

  2. 2
    Tier 02

    £250,000 to £500,000
    Our fee: £3,000 per year

  3. 3
    Tier 03

    Portfolio up to £1.5m
    Our fee: £6,000 per year

  4. 4
    Tier 04

    Portfolio up to £3m
    Our fee: £9,900 per year

  5. 5
    Tier 05

    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.

Xentum | Fees

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.

Xentum | Fees

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. 

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