Fees, stated plainly
Three ways to work with us. The first meeting is free, the fee is agreed in writing before anything starts, and we take no commission from anybody.
Financial plan
£1,500/one-off
A one-off plan for people who want the maths done once, with nothing ongoing
What is included:
Two planning meetings, in person or by video
A written plan and a cash-flow model
Pension, ISA and protection review
A list of what to do, in order
No obligation to go any further
Most chosen
Ongoing advice
0.75%/a year
Planning, investments and an annual review, charged on the money we look after
What is included:
Everything in the financial plan
Portfolio built, held in your name and rebalanced
An annual review meeting
Tax year-end allowances used before April
Calls and emails included, not billed
Charged monthly on the value we advise on
Family office
£6,000/a year
For families with trusts, several entities, or a business sale on the horizon
What is included:
Everything in ongoing advice
Trust, gifting and estate coordination
We work directly with your accountant and solicitor
Two named advisers who both know the file
Quarterly reviews instead of annual
Fixed fee, agreed each year in advance
No exit fee if you leave
Financial plan
Ongoing advice
Family office
Fee
£1,500 one-off
0.75% a year
£6,000 a year
First meeting, free
Planning meetings
Unlimited
Unlimited
Written plan in plain English
Cash-flow model to age 100
Review meetings
One
Yearly
Quarterly
Portfolio built and rebalanced
Held with a custodian in your name
Tax year-end allowances used
Calls and emails between reviews
Chargeable
Work alongside your accountant
On request
On request
Included
Pension consolidation advice
Protection gap check
Estate and gifting advice
Chargeable
Trust administration support
On request
On request
Included
Fee agreed in writing first
No commission from any provider
Leave at any time, no exit fee
A named adviser you can call
Independent since 2011, owned by the people who give the advice, and paid only by the people who take it.
Harbour Wealth was set up by two advisers who were tired of selling other firms' products. We publish our fee, we take no commission, and we look after about 260 families and business owners from one office on the quay.
4.9/5 from 84 client reviews
£420m
Client money under advice at 31 March 2026
14
Years advising from the same harbour office
0.75%
Our ongoing fee, published and unchanged since 2019
260
Families and business owners we currently advise
What clients say
Five of the 84 reviews clients left us last year. Names are used with permission.
We arrived with three old pensions, a rental flat and no idea how any of it fitted together. Harbour Wealth put it on two sides of paper and told us what it would cost before we agreed to anything.
Rachel Voss
Retired teacher, client since 2019
I sold my share of the business in March. Gordon had the pension and tax work lined up with my accountant weeks before the money landed, which is the only reason it went smoothly.
Iain Duthie
Former owner, Duthie Joinery
The fee is printed on the website and it is the fee I pay. After two firms that would not answer the question directly, that alone was worth moving for.
Nadia Haq
GP partner, client since 2021
They talked me out of a product I had already half agreed to buy somewhere else, explained why in one page, and did not charge me for the meeting.
Peter Lund
Site manager, client since 2023
One adviser, one meeting a year, and somebody who picks up the phone when the market has a bad month. That is all I ever wanted from a firm like this.
Alan Pemberton
Retired dentist, client since 2016
