Fair & flexible fees
Our fees can be arranged in a manner which best reflects your circumstances. We are always concerned they remain competitive and that good value is maintained throughout.
We will always discuss and agree our fees with you in writing before work is carried out.
Private finance services
We do not charge adviser fees for residential mortgage advice. Instead, we earn a commission from the mortgage lender. On occasion, where your requirements are very complex, or extensive travel is required, there will be a one-off fee which will be agreed with you in advance.
Asset management services
Our first meeting to ascertain your current position and future requirements is conducted without charge.
Initial planning report
Our normal practice is to provide our initial research and analysis in good faith. We do, however, reserve the right to charge a one-off report fee in the event that time spent exceed our normal expectations. Should this be the case, we will always advise you and seek your approval in advance.
Recommendations and implementation
Having agreed upon the structure of your financial planning arrangements, we will provide you with specific solutions to meet your needs. We charge an initial fee to cover the cost of the research, analysis, advice and implementation undertaken on your behalf.
We are happy to provide an estimate and to agree a cap, which we won’t exceed, without checking with you first.
Wealth management services
Ongoing financial planning advice and implementation are normally provided within our portfolio management charges. Fees in respect of our advised portfolio services may be arranged separately or, charged as a percentage of funds under management.
Where investments are arranged on a one-off basis, our initial fee, along with any ongoing management fee, may also be deducted from your investments or by separate invoice, as you wish.
Portfolio and investment service fees may be arranged to be deducted from your investments or by separate invoice, as you wish.
Insurance and home finance
In cases where we are advising on and arranging insurances and home finance, we may be entitled to receive a commission or procurement fee from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. We will tell you how much the commission will be before you complete any arrangement, however, you may ask for this information earlier should you wish. You will also receive this information from the product provider once the insurance application is completed.
It is our practice to offset any report fees and time costed fees incurred against commissions, and /or investment and advised portfolio service fees earned on your account.
Should you subsequently cease to pay premiums on a policy that we have recommended, and we are obliged to refund the commission that has been paid to us, we reserve the right to charge the fee back to you.
I first met Anthony Kynaston some 13 years ago, when I sought advice regarding an inheritance from my late parents. He immediately impressed me with his friendly, calm, clear and professional manner, ascertaining my individual needs. Tony has since then continued to advise, plan and manage my financial affairs. This includes advice on my Buy to Let property and pension needs. He and his colleagues are always available to assist with any queries I may have. As a result, I can relax and now enjoy my retirement, leaving the complexities of financial management in their safe hands.
Ash-Ridge has been advising me for over 25 years. I have seen a very significant increase in the value of my portfolios over the years and have been very impressed by their professionalism, attention to detail, hands on management and care. I have been thoroughly pleased with the service so far.
Ash-Ridge has provided myself and my family with friendly, professional financial advice for many years. I find them trustworthy and reliable, and would not hesitate to recommend them.
I have been working with Tony and Andrew at Ash-Ridge to manage my financial affairs for several turbulent years since 2007. They have supported me with a variety of significant decisions and administration relating to pensions and investments while dealing with ever-changing circumstances as I moved into retirement. I am very happy to work with them, and to recommend their services.
Ash-Ridge have been managing my personal pension investment portfolio for two years. I can say that I am absolutely delighted with the professional way they have handled my assets offering solid and independent advice which has been prudent and reliable. Dealing with an experienced team with first class communication and speed of response when advice is required. They are a pleasure to deal with.
Sophie and I just wanted to thank you again for all your help in remortgaging. As ever, the service was superb and efficient, we will of course be coming back!
We have been using Jane at Ash-Ridge for the last 10 years, which literally speaks volumes for the service we receive. Jane’s honest and straightforward approach is a key part in ensuring we get the deal that is best for us. She is swift and always keeps us updated throughout the entire process whilst allowing us sufficient time to make a final decision. Jane is a first class mortgage adviser and I would recommend her to anyone seeking mortgage or financial advice.