Financial Spectrum

Financial Planning Fees and Payment

At Financial Spectrum we’re committed to delivering transparent, fee for service advice. This means that our clients pay us for the time and advice we provide. We have no links to the banks or to financial products, and we don’t receive any commissions. That way, you can be assured that the advice and recommendations that you receive are genuine and most appropriate for your individual circumstances.

Further, we don’t charge any asset-based fees which means there is no link between what you invest and what you pay.  You pay for what you use.

At Financial Spectrum, we believe that you should not be paying for advice that doesn’t improve your situation and offer a full money back guarantee. When we present you with your financial strategy, if we’re unable to deliver measurable savings to you over and above the fees you pay, we’ll refund you 100%. No questions asked.

We are proud to be members of the Association of Independently Owned Financial Professionals. This model is essential for protecting our clients from conflicts of interest and ensures our clients know that we are purely focused on helping them achieve their financial aspirations.


Each financial plan that we create is based on a deep understanding of your personal circumstances, comprehensive research and scenario modelling. Your plan will be completely tailored to your personal circumstances, and the cost of your plan will be dependent on your individual circumstances.