Honest Fees. Transparent Advice. Built Around Your Needs.
Financial planning should be about you—not how much money you have.
That’s why we charge flat fees—fair, transparent, and based on the time and expertise needed to shape a plan that works for you. No hidden costs. No percentage cuts.
Traditional firms take a slice of your investments year after year—whether they deliver value or not. We don’t.
You pay us for guidance, planning, and clarity, not just for managing a pot of money.
Percentage-based fees add up fast. They drain your wealth over time, no matter how well your investments perform.
The numbers don’t lie—just look at the example below.
If you’re paying this way, it’s worth rethinking. There’s a better way—one that puts you in control, protects
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.
Year ${currentYear}
(fixed fee)
(${industry.fee|formatPercentage} fee)
Chart
The impact of compounding, percentage-based fees over time can be seen in each graph below.
Swipe to view
Compounding fees
${ investmentData.xentum.fees.internal[index+1] | formatNumber } (fixed fee)
+ ${ investmentData.xentum.fees.external[index+1] | formatNumber } (${ xentum.fundFeePercent + xentum.platformFeePercent|formatPercentage } ext.external fee)
${ investmentData.xentum.fees.internal[index+1] + investmentData.xentum.fees.external[index+1] | formatNumber }
${ investmentData.industry.fees.internal[index+1] | formatNumber } (${industry.fee}% annual fee)
+ ${ investmentData.industry.fees.external[index+1] | formatNumber } (${ industry.fundFeePercent + industry.platformFeePercent |formatPercentage } ext.external fee)
${ investmentData.industry.fees.internal[index+1] + investmentData.industry.fees.external[index+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.
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.
-
1Tier 01
Under £250,000
Our fee: £1,500 per year -
2Tier 02
£250,000 to £500,000
Our fee: £3,000 per year -
3Tier 03
Portfolio up to £1.5m
Our fee: £6,000 per year -
4Tier 04
Portfolio up to £3m
Our fee: £9,900 per year -
5Tier 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.
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.
