Annual Fee Expectation Statement

Understanding Our Annual Fee Expectation Statement

At Manning Gee Investments, we believe true transparency starts with clarity around costs. Your Annual Fee Expectation Statement explains precisely what you receive from our service, how your annual fee is used, and the value you can expect throughout the year.

Rather than simply quoting a figure, we show you what your fee covers: the planning, research, support, and professional oversight that underpin every recommendation we make. This helps you understand not only how much you are paying, but also what you are paying for, giving you complete confidence that our work always aligns with your best interests.

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Why Work with a Financial Planner?

People seek financial planning for many reasons, but the most common is peace of mind, knowing their financial future is being looked after by someone they trust.

We help you:

Secure your family’s future by creating a plan that protects the people who matter most
Navigate investments with confidence, especially if the process feels complex or overwhelming
Save time and reduce stress, because managing finances takes energy you may prefer to spend on family, career or personal goals

Ultimately, financial planning is not just about the numbers. It is about building a long-term relationship anchored in trust, transparency and clear guidance at every stage of your life.

DIY Financial Planning vs. Professional Advice

Technology has made DIY investing more accessible, and for some people it can work. Common reasons people choose a self-managed approach include:

Smaller investment amounts
A focus purely on investment returns
Personal interest or financial expertise
Concerns about cost

However, professional financial planning goes far beyond choosing investments. It brings together tax efficiency, risk planning, retirement income strategy, cashflow modelling, estate considerations and long-term financial direction, things that DIY investing often overlooks.

That’s why the value of professional advice is measured not only in investment performance, but in confidence, clarity and long-term resilience.

Value vs. Cost: What Are You Paying For?

Annual fees often get misunderstood as payment for a single yearly review. In reality, your fee funds a much broader set of services and protections, many of which take place behind the scenes.

Your annual fee provides:

Ongoing expert guidance, whenever you need it
Long-term planning that adapts as your life changes
Tax-efficient structuring, helping you keep more of what you earn
Risk management to protect your investments
Behavioural support, particularly during market volatility
Peace of mind, knowing we are here to guide you through important decisions

This ongoing support creates stability and helps you make better decisions year after year.

Do I Have to Pay the Annual Fee?

No, but without it, our service becomes a one-off piece of advice rather than a long-term partnership. That means:

No ongoing financial reviews
No updates when tax rules, markets or your circumstances change
No access to guidance when a financial “warning light” appears

Think of it like servicing a car. You can skip it, but issues may go unnoticed. With ongoing support, you have immediate access to help whenever life changes or decisions need to be made.

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Where Your Annual Fee Goes: The Value Behind Our Service

Your annual fee supports two core areas: Comprehensive Financial Planning and Running a Regulated Business.

Comprehensive Financial Planning & Support

Your fee covers far more than annual meetings:

Access to two financial planners and a mortgage specialist
Holistic planning across investments, tax, pensions and estate considerations
Retirement and wealth strategies that support long-term security
Unlimited support throughout the year
Market monitoring and updates to keep you informed
Research, analysis and cashflow modelling
Planning for life’s big decisions — career moves, house purchases, inheritances

This is the ongoing work that ensures your plan stays relevant and resilient.

Running a Regulated Business

As an FCA-regulated firm, we must meet high standards of governance, compliance and client protection. Your fee also helps fund:

FCA fees and regulatory obligations
Professional Indemnity Insurance
Independent compliance audits
Technology and cybersecurity infrastructure
Client data protection and secure online systems

These layers of oversight are essential to delivering safe, ethical and high-quality advice.

More Than Just a Financial Planner

At Manning Gee Investments, we see ourselves as long-term partners rather than one-time advisers. Your annual fee ensures:

Ongoing guidance, whenever you need it
Support when circumstances change
Joined-up planning across investments, tax, mortgages and estate considerations
A calm, clear voice during emotional or high-stakes decisions

It gives you access to a fully supported financial planning relationship — not just a yearly appointment.

Your Future, Our Priority

Financial planning is about more than money. It’s about your family, your wellbeing and the future you want to build.

By working together, we can create a flexible, structured plan that evolves with you and helps protect your long-term financial security.

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