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How are my fees calculated?

Our planning stages are free to use. Fees only apply if you decide to put your plan into action.


See the fees in detail    

Fees in detail

Planning stages

Our planning stages are free to use
  • Explore the cost of life in retirement
  • Produce a personalised retirement plan with our online planning services
  • Option to include your spouse or partner's income
  • Advice on how to implement your retirement plan
  • Access our support team by webchat and by phone


Helping you throughout your retirement

1.12% to 1.15% annual ongoing fee*
  • Ongoing advice fee – 0.60%. Paid to HUB Financial Solutions who provide the Destination Retirement advice service for ongoing reviews, advice and co-ordination of your plan’s payment schedule
  • Platform and Administration Charge - 0.30% a year (this falls to 0.20% for any amount above £250,000 per person), for the administration of and access to products and investments that optimise the management of your money
  • Discretionary portfolio charge – 0.22% to 0.25% a year. Paid to the investment managers for managing your investments


*1.12% to 1.15% annual ongoing fee is applied to the value of your investments

Put your plan into action

Annuity arrangement fee
  • We'll do all the admin, so you don't have to
  • If your plan includes a lifetime annuity, there is a one off arrangement fee of 2% of the purchase price. There are no ongoing fees for this product

Annual ongoing fees

Your personal retirement plan and recommendation is tailored to your life after work.

Our fees are competitive and regularly benchmarked so we can offer a great value service.

Our fees automatically adjust with the total amount in your investment products over the course of the year.

How often are my fees paid?

Calculated daily and paid on a monthly basis,
 with a breakdown on your online account.

Example of the annual fees on £50k pension


Ongoing advice fee @ 0.60% £300
Platform charge @ 0.30% £150
Fund charge @ 0.25% £125
Example total annual ongoing fee
@ 1.15% (0.60% + 0.30% + 0.25%)		 £575

Your ongoing fees will depend on your individual circumstances and will not be more than 1.15% a year.

What do I get in return for my ongoing fees?

HUB Financial Solutions provide ongoing regulated advice and support

The service includes:

  • transferring to your bank account just what you need each month, and this minimises the amount of income tax you pay the government
  • allowing you to make multiple changes to your objectives and see what impact this will have on your finances
  • us providing you an annual review of your plan to make sure it still meets your objectives, but you can make changes more frequently if you choose
  • access our support team via web chat and by phone
Start your journey


Your capital is at risk and investments can go down as well as up.