How we charge for our advice.
Financial Advice is generally split into an initial fee for setting up new plans & an ongoing fee for the continued support and service from our advisers. Read more below.
Initial Fees
We don’t charge for our initial meetings – these are completely at our cost.
Read our testimonials
Read our case studies
COMPLETE TRANSPARENCY | NO HIDDEN FEES
NO PERFORMANCE FEES
Fees only become payable once we've completed your factfind and presented your personalised recommendations.
​
At Toro WP, we aim to provide high-quality advice at fair value. Our average initial fee is below the UK industry standard and is typically charged as a percentage of the capital you invest with us.
​
For clients not investing capital but seeking advice on specific areas – such as cashflow modelling, financial health checks, or salary sacrifice – we offer fixed-rate fees, usually starting from £2,100.
​
​Our charging structure is fully transparent, clearly explained, and detailed in writing before you agree to proceed. There are no hidden costs, no performance-based fees, and no surprises – just honest, straightforward pricing for the advice you receive.
Ongoing Fees
At Toro WP, our ongoing advice fee is below the UK industry average – we believe in delivering long-term value without overcharging.
This fee covers a comprehensive ongoing service, including:
​
-
Annual Reviews to ensure your plan remains aligned with your goals and circumstances
-
Cashflow modelling to project your retirement
-
Portfolio Monitoring and proactive investment management
-
Access to your Adviser for year-round for support, questions, or financial decisions
-
Regular Updates on market movements and financial planning insights
-
Tax Efficiency Reviews including ISA allowances, pension contributions, Capital Gains & Inheritance Tax planning
-
Ongoing Suitability Checks to keep your strategy compliant and appropriate over time
-
'Locum' advisory services for when your adviser is out of office for any reason
In addition to our advice fee, there may be ongoing product or platform charges associated with the solutions we recommend (such as investment platforms or fund fees). Our aim is always to be as cost-efficient as possible while helping you meet your goals.
​
These charges will be clearly explained upfront and reviewed regularly – there are no hidden costs, and we’ll ensure you understand exactly what you're paying and why.
​
We’re fully transparent about our fees – they’re clearly explained, agreed upfront, and there are no hidden costs or performance-based charges.
​
​
Risk Warnings:
-
The value of investments and any income from them can fall as well as rise. You may not get back the full amount invested.
-
Please note that the Financial Conduct Authority (FCA) does not regulate some aspects of Cashflow, Tax planning, Estate or Inheritance Tax planning
Contact Us
Address
85 Great Portland Street
First Floor
London W1W 7LT
Contact
+44 208 137 0025
Opening Hours
Mon - Fri
8:30 am – 6:00 pm
Saturday
Closed
​Sunday
Closed
