Our fees

Our fixed fees give you clear, upfront costs for peace of mind. Use our bespoke fee calculator and fee comparison to see what you'll pay for our services and how we differ from others.

We believe fees should be based on the work required, not the wealth involved. This removes potential conflicts of interest when fees are linked to a percentage of your assets, or your family’s net worth.

Fixed fees are fair, clear and simple. You know exactly what you’ll be paying right from the outset. Our approach is based on transparency and integrity. We only work with clients where we believe value can be added.

Financial planning fees

We structure our fees in two stages: an initial financial planning fee and an ongoing planning fee. Both are charged as fixed fees.

The initial fee is calculated based on the time involved in providing and implementing your bespoke plan. We will not exceed this fixed quote without your clear agreement.

Where ongoing planning is appropriate and adds value, we will confirm which service is required. This is dependent on the work involved and the complexity of your family’s arrangements.

See what you’ll expect to pay

We have created a calculator that gives you an indication of your fixed fee and the level of ongoing service you may require. Simply answer these four questions, and your estimated fee will be displayed.

1.How many pension and investment plans does your household have?

2.What is the approximate total value of your household's pensions, investments and savings?

3.Are you planning to retire in the next 12 months?

Yes No

4.Does your household have any complex arrangements such as Trusts, VCT, EIS or Company Share Schemes?

Yes No

Fact find, state pension, ID check, cashflow, and second and third meeting 11.5 1 11.5

At retirement, plus compliance check and basic annuity quote 3

Recommendation report, implementation and track 7

First plan including request, analyse, and sr 9.5

Extra plans including request, analyse, transfer and track 7.5

Inheritance Tax plans, VCT, EIS and trusts 15

Total hours =

Initial planning fee = £

Monthly ongoing fee =

Learn more about what’s included in our ongoing planning services. We will discuss and explain which (if any) ongoing planning service best meets your needs during our consultation meeting.

Tier 2 – You will typically…

Require a more hands on approach to your financial planning due to regular changes to your circumstances. You may have your own business or be a higher earner with greater and more complex taxation affairs.

You might also have additional revenue streams from a business, existing investments, pensions, rental property, or other assets. You are likely to be impacted by changes to tax legislation & Government budgets.

This service may also be appropriate for those looking to retire and access their pensions, investments and savings in a more flexible way. You could have a desire to spend more during your active years, but recognise this will need careful and considered financial planning to ensure you still have enough for later life.

You may also have inheritance tax concerns and queries about gifting which need reviewing on a regular basis.

You would like to have the opportunity to contact your adviser outside of your annual Progress Check meeting and have a six monthly check-in.

This service includes:

One Financial Planning meeting per year
Ongoing cashflow modelling – your financial roadmap
Advice on employed income and tax efficiency
Information around defined benefit pensions
Ongoing administrative support
Annual progress check report
High-level savings advice
Advice on various income revenue streams
Advice on multiple investment and pension plans
Planning encompassing both personal and business income
Flexible pension retirement spending advice
Six monthly ‘check-in’ with your financial planner
A joined-up approach with other professional advisers such as accountants and solicitors (up to five hours per year)
Financial education for children (up to five hours per year)
One extra piece of regulated financial advice per year
Inheritance tax and estate planning
Long-term care advice (non-investment and investments)

Learn more about what’s included in our ongoing planning services. We will discuss and explain which (if any) ongoing planning service best meets your needs during our consultation meeting.

Tier 3 – You will typically…

Require highly personalised advice, often in relation to complex and high value assets. You may be looking to sell or have sold a business, property portfolio, or other high value assets.

You will likely want a more bespoke approach to your finances, and value the ability to meet with your adviser as much (or little) as you want for regulated advice. You may also want someone in your corner who is proactive in liaising with your other professional connections (accountants, solicitors, land agents), to provide a truly joined up approach for you and your family.

You may still be working or retired. You will have a significant inheritance tax liability and estate planning concerns which need reviewing on a regular basis.

You may need expert advice in relation to not just your own circumstances, but also your ‘young professional’ children who you’d like to see receive guidance from a trusted family adviser.

This service includes:

Unlimited financial planning meetings and adviser access
Holistic advice across personal, businesses, property portfolios, and offshore investments
Ongoing cashflow modelling – your financial roadmap
Advice on employed income and tax efficiency
Information around defined benefit pensions
Ongoing administrative support
Annual progress check report
High-level savings advice
Advice on various income revenue streams
Advice on multiple investment and pension plans
Planning encompassing both personal and business income
Flexible pension retirement spending advice
Six monthly ‘check-in’ with your financial planner
Unlimited interaction with external professional advisers
Financial education for children (up to five hours per year)
Regulated financial advice for children included up to the age of 30 (£100 per month extra beyond two children)
One extra piece of regulated financial advice per year
Guidance and advice around business sale and exit
Complex farming, estate and business succession planning
Complex Inheritance Tax planning and solutions
Complex tax planning advice such as VCT, EIS, SEIS schemes
Long-term care advice (non-investment and investments)

How do we compare?

This calculator compares our fixed fees with the traditional percentage-based fees many financial advisers charge. This is based on an average initial financial planning fee of 3% and an ongoing annual fee of 1%, as reported by the FCA in November 2022.

Initial planning fee £ £

Annual planning fee £

Enquire now

What’s next? Get in touch with the team to discover how we can help you and learn more about our service.

Client stories

60s & 70s

Rodney & Elaine, West Yorkshire

Tom has given us total confidence in what he’s doing for us... We always feel like he’s got our best interests at heart.

Clients since 2012

Equity Release

Mr & Mrs D, Otley

Richard gave very good advice on our options in a professional and caring way. We wouldn’t hesitate recommending him.

Clients since 2024

60s & 70s

Liz, West Yorkshire

I just haven’t had to worry from the minute I walked out of my first meeting with Tom. I thought he was going to do what’s right for me and that’s proven true.

Clients since 2022

40s & 50s

Phil & Di, West Yorkshire

Tom really listens and asks the right questions to understand what you want in life. He’s a great listener.

Clients since 2019

60s & 70s

Walter, Ilkley

I am completely indebted to Tom. Without him, I am sure we wouldn’t have won the case.

Clients since 2015

20s & 30s

Terry & Sarah, West Sussex

When we first went to see Tom, we’d just got married, had a baby and moved house. We decided it was time to grow up!

Clients since 2016

40s & 50s

Lesley & Philip, Bradford

When Tom told us we could retire, to be honest, we were both quite emotional. We weren’t expecting it.

Clients since 2019

20s & 30s

Jamie & Kyla, Leeds

Tom’s really knowledgeable. He knows his stuff inside out. And he goes the extra mile. He really cares.

Clients since 2017

80s & onwards

Ted & Joan: a case study

Ted and Joan are 80 years old. They want to get their finances and estate planning in order.

Clients since 2020

Vouchedfor

VouchedFor allows people to find and review financial and other professional advisers. It’s a bit like TripAdviser for the financial services! You can read our reviews and see for yourself why we are a top-rated VouchedFor adviser.

We’re a VouchedFor Top Rated Firm

We’re proud to say we are included in the VouchedFor Top Rated Guide for 2025, distributed by the Times. This is the fourth consecutive year we’ve qualified for the guide.

The purpose of this guide is to help identify the best advisers throughout the UK based on client feedback.

To learn more about our inclusion in the guide, please visit our blog post by clicking here.

Otley Business Awards

Thomas Hatley, our director, and Theo Rhodes, our Paraplanner, both collected an award at the 2022 Otley Business Awards, in recognition for all their hard work and dedication to Christopher Little & Co and the Otley Business Community.

100%

Clients who would be happy to recommend us.

100%

Clients who were satisfied with our service.

100%

Clients who believe working with us has helped, or will help, them achieve their goals.

*all statistics taken from our 2020 client survey

Our fees

Financial planning fees

See what you’ll expect to pay

Initial planning fee = £

Monthly ongoing fee =

Learn more about what’s included in our ongoing planning services. We will discuss and explain which (if any) ongoing planning service best meets your needs during our consultation meeting.

Tier 1 – You will typically…

Learn more about what’s included in our ongoing planning services. We will discuss and explain which (if any) ongoing planning service best meets your needs during our consultation meeting.

Tier 2 – You will typically…

Learn more about what’s included in our ongoing planning services. We will discuss and explain which (if any) ongoing planning service best meets your needs during our consultation meeting.

Tier 3 – You will typically…

How do we compare?

Enquire now

Client stories

Rodney & Elaine, West Yorkshire

Mr & Mrs D, Otley

Liz, West Yorkshire

Phil & Di, West Yorkshire

Walter, Ilkley

Terry & Sarah, West Sussex

Lesley & Philip, Bradford

Jamie & Kyla, Leeds

Ted & Joan: a case study

Vouchedfor

We’re a VouchedFor Top Rated Firm

Otley Business Awards

100%

Clients who would be happy to recommend us.

100%

Clients who were satisfied with our service.

100%

Clients who believe working with us has helped, or will help, them achieve their goals.

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