What fees do I pay now and how much do I pay on an ongoing basis?

This depends on the products or services you choose. If you enter into a financial planning agreement, you will pay a flat fee every year (which you could choose to pay monthly if that works better for your budget). If we manage your assets, you would pay a percentage of those assets under management. For insurance products, we are paid a commission by the insurance company so your fee would be factored into what you pay for the insurance.