Qualified Financial Advice
Creating a clear and tailored strategy to achieve your financial goals
Book a call with a Netwealth financial adviser
What is financial advice?
Regulated financial advice provides personal recommendations from qualified professionals, designed to optimise an individual's or family’s financial plan. It focuses on a tailored approach to growing wealth, managing risk and minimising taxation to achieve long-term financial goals. It can cover a wide range of areas from recommending investment strategies to managing intergenerational wealth transfers and retirement planning.
The Netwealth approach
Your goals are our priority. Whether you need a one-off consultation or ongoing support, our personalised advice is tailored to them.
Before conducting any analysis, a qualified adviser will get to know you and your circumstances, with the support of our proprietary financial planning tools. You will then receive a personal advice report and the adviser will carefully go through this with you, and lay out a plan to be implemented over time.
If you opt for ongoing advice, we will regularly review your financial situation to keep your plan up-to-date and aligned with your objectives.
Working with a Netwealth adviser
We know that not everyone wants or needs advice from day one. So our advice is available as often or as little as you need it.
Our team of experienced advisers provide fully regulated advice to build your unique financial plan either on an ongoing or one-off basis.
Initial meetings are provided without obligation.
Our ongoing advised service
- Once we've got to know you and your goals, an initial piece of advice provides recommendations and the plan is implemented on your behalf
- At least twice a year, we review your circumstances, and and changing legislation, to update and implement the next phase of your financial plan accordingly
We will contact you if any proactive advice is required and you can always speak to your dedicated adviser if there is something you want to discuss between review meetings.
One-off advice
- Discuss your requirements and goals
- Agree the scope of work and a fee quote
- Receive a detailed report and recommendations, presented at meeting with your adviser
This could include a full review of your financial needs and circumstances, a pre-transfer review of your existing investments and advice on tax-efficient allocation of your assets.
Netwealth offers advice restricted solely to our services. We do not consider the whole of the market, nor offer advice in relation to tax compliance, insurance products, or the transfer of defined benefit pensions.
Get StartedValuable advice with transparent fees
Netwealth's advice service delivers ongoing value, with a dedicated adviser providing personalised recommendations to help you achieve your financial goals.
The table on the right shows the fees applicable for our Advised service which includes investment management and ongoing financial planning advice.
Fees quoted are inclusive of any applicable VAT.
Annual wealth management fees |
|
|---|---|
| Net contribution bands | Advised |
| £50,000 - £249,999 | 1.10% |
| £250,000 - £999,999 | 0.95% |
| £1,000,000 - £4,999,999 | 0.80% |
| £5,000,000+ | 0.70% |
| Underlying fund charges |
0.10 - 0.45% |
Other advice and guidance options:
For clients who would like to work with a Netwealth adviser on an ad-hoc basis, we offer both one-off advice or guidance via the Financial Planning 'MOT'.
| Description | Fee |
| One-off advice | £200 per hour |
| Financial Planning 'MOT' | A fixed fee of £400 for an individual or £600 for a joint plan. |
What's included in Netwealth financial advice?
Investment strategies
Our advisers will recommend a tailored asset allocation to diversify your investments and manage risk to a level you are comfortable with.
Bespoke cashflow modelling
Plan for significant expenses, like school fees or care costs, with customised cashflow modelling designed to meet your specific needs.
Retirement planning
We'll give you advice on planning and saving for retirement. This includes consolidating existing pensions and strategies for drawing down.
Tax-efficient investing
Optimise your investments with strategies to reduce tax liabilities whether you are still earning or in retirement. Making the most of your allowances and leveraging tax-efficient accounts such as ISAs and pensions.
Income analysis
Our detailed analysis will help you understand and optimise your income streams so that they align with your financial goals and lifestyle needs.
Estate planning
We'll help you to work out how much you can afford to pass on and how to balance tax efficiency with control as part of your overall plans.
Plan your future with easy-to-use, cutting-edge technology
Netwealth's online wealth service can help you build and implement your own financial plan. Financial markets and planning can seem daunting and the industry is filled with jargon. Our resources and technology are designed to help you understand the options available so that you can make informed decisions yourself.
Financial planning 'MOT' service
A lot of our clients don't need formal financial advice but could really benefit from a 'Financial MOT'.
With this service, you'll get a Wealth Planning Report that outlines your financial goals. It includes a summary of your current wealth and investments, plus some guidance on how likely you are to reach those goals.
Find out moreFinancial planning resources
In an industry filled with jargon and shifting markets, financial planning can be daunting. Netwealth's resources are designed to cut through the noise and make the complex straightforward. Ultimately, we want you to understand all the options available so you can make informed decisions.
Our wide range of guides, articles and webinars are created by experts. They include topics such as retirement planning, the key principles of investing, and more. They also cover our latest views on economies and markets around the globe.
Access nowInsights
Frequently Asked Questions
Is Netwealth’s advice independent or restricted?
We offer restricted advice, meaning the recommendations are limited to our own products and services.
Unlike an independent financial adviser, we don't consider the entire market, provide tax or legal advice, or advise on pension transfers involving safeguarded benefits.
What should I consider when seeking advice from Netwealth?
It is advisable to seek financial advice when your circumstances change, or if you want to ensure you are on the right path to achieving your financial goals.
This includes assessing your risk levels, optimising retirement planning, managing fees, and planning for tax efficiency and inheritance
How does Netwealth ensure the advice is tailored to my needs?
Our advisers take the time to understand your personal circumstances and objectives before providing advice.
This involves a detailed review and analysis, culminating in a personalised advice report that's discussed with you to ensure smooth implementation.
How does Netwealth ensure the security of my investments and personal data?
client funds are held by SEI Global Nominee Ltd, a subsidiary of SEI Investments (Europe) Ltd, which is regulated by the Financial Conduct Authority (FCA). SEI uses multiple third-party custodians, including HSBC Bank PLC, CoFunds Limited, and Allfunds Bank S.A. London Branch, to administer and hold various assets. These measures ensure that your investments and uninvested cash are protected under the Financial Services Compensation Scheme (FSCS) up to a compensation limit of £85,000 per firm, per eligible claimant
What types of financial advice does Netwealth offer?
We can provide both one-off and ongoing financial advice tailored to your needs. This covers a variety of areas, including investment strategies, retirement planning, tax-efficient investing, income analysis, and bespoke cashflow modelling for significant future expenses.
Can I withdraw money easily from my Netwealth accounts?
Yes, you can withdraw money from your Netwealth ISA or General Investment Account (GIA) at any time.
However, there are restrictions on withdrawing from Personal Pension accounts before age 55 and from Junior ISAs (JISAs) before the child reaches 18 years old. Withdrawals typically take 5-6 business days to process
What is the minimum investment required to open a Netwealth account?
The minimum investment required to open a Netwealth account is £50,000. However, lower minimums are available through the Netwealth Network, which allows clients to combine their investments with family and friends to benefit from reduced fee
How does Netwealth manage investments?
Our team of experienced professionals construct and oversee a range of diversified portfolios. They predominantly use Exchange Traded Funds (ETFs) and other cost-efficient investment vehicles to provide broad market exposure while keeping costs low.
What is the Financial Ombudsman Service (FOS)?
The Financial Ombudsman Service is an independent body that helps resolve disputes between consumers and financial services firms. If you have a complaint about the financial advice or services you receive from Netwealth that isn't resolved to your satisfaction within eight weeks, you can refer your complaint to the FOS. They provide a free and impartial service to investigate complaints and help reach a fair outcome.
