LIBERTY ATLANTIC UK / OUR FEES
Our Process
At Liberty Atlantic UK, we’re committed to being transparent about the costs associated with using our financial planning service. Please review the table below for an overview of our fees and our FAQ section for more information. Feel free to raise any questions with us during a preliminary meeting.
OUR FEE STRUCTURE
£0 up to £1,000,000
0.9%
Investable Assets between £1M to £2,500,000
0.6%
Investable Assets above £2,500,000
0.35%
01
Initial Consultation
Complimentary, friendly, and with absolutely no pressure – and best of all, it’s completely free.
02
Insights Meeting
A follow-up call reviewing the holes, strengths, and opportunities specific to your financial situation.
03
Proposal Meeting
Presenting your financial plan, including the relevant models and scenarios built for your situation.
04
Welcoming you
Set up your accounts, implement your plan, and schedule an early check-in call.
Frequently Asked Questions
How is your fee applied?
We use a standard assets under management (AUM) fee model, where our fee is based on the assets we manage on your behalf rather than product sales or commissions. This structure allows us to focus on building long-term relationships and providing advice tailored to your circumstances. We operate a blended tiered structure, meaning that as your assets under advice grow, you benefit from a reducing rate across each threshold. As an example, this means that if you have £1.5 million of assets under our advice, our ongoing advice charge would be about 0.8% per annum. Full details of our fee tiers are outlined in our fees section. Our ongoing advice charge is deducted directly through your provider, meaning there is nothing to invoice and nothing to transfer. There is no VAT applied to our fees. This charge covers the full scope of your ongoing service, including your regular planning meetings, access to your adviser, collaboration with your wider professional team, and all of the support that comes with being a Liberty Atlantic UK client.
Do you charge an initial advice fee?
No.
Do you offer hourly planning?
No.
What custodians do you work with?
As an independent financial planning firm, we don't hold client money ourselves. All assets are held securely with regulated third-party platforms and providers, meaning your money is always kept entirely separate from our business. Because we are independent, we are not tied to any single platform or provider. This means we can select the most appropriate home for your assets based on your individual circumstances, the nature of your investments, and, where relevant, the cross-border requirements of your situation. We will always explain which platform we are recommending for you and why, as part of our ongoing commitment to transparency and acting in your best interests.
How do you keep my personal information safe?
Protecting your personal information is something we take seriously. Liberty Atlantic UK operates as an Appointed Representative of Alex De Silva & Co Wealth Managers, which is authorised and regulated by the Financial Conduct Authority. Our data protection obligations are upheld in accordance with our Principal firm's policies and full compliance with the UK General Data Protection Regulation (UK GDPR). Your data is never sold or shared with third parties outside of those directly involved in delivering your financial plan, such as platforms, providers or other members of your professional team where you have asked us to liaise on your behalf. We use secure, encrypted systems for storing and communicating client information, and access to your data within our firm is restricted to those who need it to service your plan. For our clients with US connections, we are equally mindful of the additional data considerations that can arise from operating across two jurisdictions, and we handle all such information with the same care and discretion. You have the right to access, correct or request the deletion of your personal data at any time. Full details of how your information is handled are set out in our Privacy Policy, which we are happy to share on request.
Is real estate considered when calculating my investable assets?
Real estate is not typically considered when evaluating investable assets, as it is generally less liquid and not always available to support an investment strategy. However, we still want to understand your broader financial picture. During our planning process, we consider real estate alongside other assets, liabilities, and long-term goals to ensure recommendations reflect your overall situation.
Do you receive commissions from products you recommend to your clients?
No, with one exception. We offer protection advice such as life cover, critical illness, and income protection. In these instances, the provider may pay a commission to Liberty Atlantic UK, which would be fully transparent to you in how much we’re being paid. In all other cases, we receive no commissions, revenue shares, or “kickbacks” from providers. Our recommendations are made based on what we believe is appropriate for your goals and circumstances, not compensation arrangements.
What is your investment philosophy?
We believe successful investing is generally built on discipline, diversification, and long-term thinking rather than trying to predict markets or chase trends. Our approach focuses on constructing portfolios appropriate for each client’s goals, risk tolerance, and timeline while keeping attention on factors we can control, such as costs, tax efficiency, and overall portfolio structure.
Who do you typically work with?
Our clients are a varied group, but they tend to share one thing in common: they want a financial planner who will take the time to truly understand their situation rather than offer an off-the-shelf solution. Some are UK-based individuals and families who simply want first-class financial planning done properly. They value having one firm that coordinates everything, works alongside their accountant and solicitor, and keeps their plan moving in the right direction as life changes. Others bring a transatlantic element to the conversation. Americans living in the UK, British nationals with ties to the US, or families with assets spread across both countries. For these clients, the challenge tends to be finding a single firm with the qualifications and experience to handle both sides of the picture with equal confidence. We also regularly work with British nationals who are returning home after years spent living abroad, helping them land back into the UK financial system with a clear and considered plan. Not sure if we are the right fit? The best way to find out is simply to have a conversation. No commitment, no obligation, just an open and honest discussion about your situation and whether we can add real value to it.
How are you regulated?
Liberty Atlantic Advisors UK Ltd (Firm Reference Number: 1061963) operates as an Appointed Representative of Alex De Silva & Co Limited, which trades as Alex De Silva & Co Wealth Managers. This means that our advice and the way we operate are overseen and regulated by the Financial Conduct Authority (FCA), the UK's independent financial services regulator. You can verify our status and that of our Principal firm directly on the FCA Register at any time. Alex De Silva & Co Limited holds FCA Register Number 712630 and is registered at Companies House under Number 9644496. You can verify our status and that of our Principal firm directly on the FCA Register at any time. Alex De Silva & Co Limited holds FCA Register Number 712630 and is registered at Companies House under Number 9644496. If you ever have a question about our regulatory status or want to understand what that means for you as a client, please don't hesitate to ask. We are always happy to explain how it all works in plain English.
I don’t have a large amount of investable assets, but I have questions related to managing or understanding my finances, should I still book a call?
Yes, if you have questions related to financial planning and managing your money, we are always happy to take your call and discuss your situation.
Take control of your financial future today
Whether you’re thinking about when you can step back from work, how to support your children, or what you want the next chapter to look like, we’ll help you plan for the life you want. We can meet in person or online, whichever suits you best.
Book a First Consultation ↗
Liberty Atlantic UK is an Appointed Representative of Alex De Silva & Co Limited, trading as Alex De Silva & Co Wealth Managers. Alex De Silva & Co Limited is authorised and regulated by the Financial Conduct Authority. Companies House No. 9644496. FCA Register No. 712630. The value of investments can fall as well as rise. You may get back less than you invested. Past performance is not a guide to future returns.