Find a financial advisor to help you decide where to invest your money for the best return

HaMuch is Excellent
By Emily Rivers
Last updated 27th February 2024

Investing can feel scary for a lot of people. The risk of losing your money is worrying, which is why it’s important to get financial advice before you make any investments. But how much does it cost?

In this guide, we’ll go through how much financial advisors charge for investment advice and whether it’s worth it, plus we’ll answer some of our readers’ frequently asked questions about investment advice.

How much does investment advice cost?

Investment advice is usually charged based on the amount of money you want to invest. These fees can range between 1-4% of the value of your investment. Usually, the larger the amount you want to invest, the lower the percentage fee.

If you want ongoing advice on your investment, a financial advisor may charge a fixed fee or between 0.5-2% of the value of your investment per year.

For example, if you wanted advice on investing £25,000, expect to pay between £250-£1,000 for initial advice. You’d then pay 0.5-2% of the value of your investment for ongoing yearly management – hopefully your investment has grown, but it could also make losses.

Cost of investment advice

Are investment advisory fees worth it?

Most people agree that investment advisory fees are worth it unless you’re extremely experienced. Understanding a changing market and getting to grips with all the different funds, terminology and risk factors is tricky, so leaning on a financial advisor for help can ensure that you make the best decisions for your financial situation.

Some studies say that seeking financial advice on investments can increase returns by up to 3%, although this will of course vary. You certainly have more chance of your investments being successful if you take advice from a qualified independent financial advisor.

Will a financial advisor tell me what to invest in?

A financial advisor will give you recommendations on what to invest in based on your financial situation, your attitude to risk and any specific requests you have, such as investing in ethical funds. They base their decisions on what you tell them about your financial situation after doing a thorough assessment of your finances, so it’s important to give them all the information you can and avoid trying to hide anything from them.

Should I invest on my own or use a financial advisor?

Unless you are very experienced in investing, it’s better to use a financial advisor. When you use a qualified independent financial advisor, the recommendations they make are regulated. That means that if you end up with an unsuitable product or think you were mis-sold, you can complain to the Financial Ombudsman Service. However, if you invest on your own using information from online sources or family and friends, you have no protection if things go wrong.

You could always see a financial advisor for initial advice then make some decisions on your own if you feel confident. You never have to go with your financial advisor’s advice, but if you’re serious about investing and seeing returns, it makes sense to follow their recommendations.

Do financial advisors make money off your investments?

Good financial advisors shouldn’t be making any money directly off your investments. However, many financial advisors are also brokers for certain companies, meaning they will earn a commission if you take out one of these company’s financial products.

Independent financial advisors (IFAs) are regulated by the Financial Conduct Authority and have strict rules to follow. They should only ever be able to manage your money – not withdraw or transfer your investments without your expressed permission.

Should you put all your money with one financial advisor?

It’s up to you whether you use one financial advisor to manage your funds and investments. If you’re new to investing or are only making a small investment, one financial advisor is probably enough. However, if you want to diversify your investment profile and you have a sizeable amount of money to invest, there are benefits to using more than one financial advisor:

  • Get more than one opinion and perspective on how to achieve your financial goals

  • Different advisors can focus on different parts of your investments

  • If you use a robo-advisor for some investments, you may save money on management fees

  • Different advisors may have access to different financial products

If you’re ready to start investing, HaMuch can help. Find a financial advisor in your area now to help you invest your money in the right way for your financial situation.


Estimates for other types of financial advice

Rates for other trades

Investment advice estimated cost per month
Investment advice approximate cost in the UK per month
Location in UK
Investment advice near Aberdeen
Investment advice near Amber Valley
Investment advice near Angus
Investment advice near Arun
Investment advice near Ashfield
Investment advice near Aylesbury Vale
Investment advice near Barnsley
Investment advice near Basildon
Investment advice near Basingstoke & Deane
Investment advice near Bassetlaw
Investment advice near Bath & North East Somerset
Investment advice near Bedford
Investment advice near Belfast
Investment advice near Birmingham
Investment advice near Blackburn
Investment advice near Blackpool
Investment advice near Bolton
Investment advice near Bournemouth
Investment advice near Bracknell Forest
Investment advice near Bradford
Investment advice near Braintree
Investment advice near Breckland
Investment advice near Bridgend
Investment advice near Brighton
Investment advice near Bristol
Investment advice near Broadland
Investment advice near Broxtowe
Investment advice near Bury
Investment advice near Caerphilly
Investment advice near Calderdale
Investment advice near Cambridge
Investment advice near Canterbury
Investment advice near Cardiff
Investment advice near Carmarthenshire
Investment advice near Charnwood
Investment advice near Chelmsford
Investment advice near Cheltenham
Investment advice near Cherwell
Investment advice near Chester
Investment advice near Colchester
Investment advice near Conway
Investment advice near Coventry
Investment advice near Crewe & Nantwich
Investment advice near Dacorum
Investment advice near Derby
Investment advice near Doncaster
Investment advice near Dover
Investment advice near Dudley
Investment advice near Dumfries & Galloway
Investment advice near Dundee
Investment advice near East Ayrshire
Investment advice near East Devon
Investment advice near East Dunbartonshire
Investment advice near East Hampshire
Investment advice near East Hertfordshire
Investment advice near East Lindsey
Investment advice near East Riding
Investment advice near Eastleigh
Investment advice near Edinburgh
Investment advice near Elmbridge
Investment advice near Epping Forest
Investment advice near Erewash
Investment advice near Exeter
Investment advice near Falkirk
Investment advice near Fife
Investment advice near Flintshire
Investment advice near Gateshead
Investment advice near Gedling
Investment advice near Glasgow
Investment advice near Gloucester
Investment advice near Guildford
Investment advice near Gwynedd
Investment advice near Halton
Investment advice near Harrogate
Investment advice near Havant & Waterloo
Investment advice near Highland
Investment advice near Horsham
Investment advice near Huntingdonshire
Investment advice near Ipswich
Investment advice near Isle of Wight
Investment advice near Kings Lynn & West Norfolk
Investment advice near Kingston-upon-Hull
Investment advice near Kirklees
Investment advice near Knowsley
Investment advice near Lancaster
Investment advice near Leeds
Investment advice near Leicester
Investment advice near Lisburn
Investment advice near Liverpool
Investment advice near London
Investment advice near Luton
Investment advice near Macclesfield
Investment advice near Maidstone
Investment advice near Manchester
Investment advice near Mid Bedfordshire
Investment advice near Mid Sussex
Investment advice near Middlesbrough
Investment advice near Milton Keynes
Investment advice near Neath Port Talbot
Investment advice near New Forest
Investment advice near Newbury
Investment advice near Newcastle Upon Tyne
Investment advice near Newcastle-under-Lyme
Investment advice near Newport
Investment advice near North Ayrshire
Investment advice near North East Lincolnshire
Investment advice near North Hertfordshire
Investment advice near North Lanarkshire
Investment advice near North Lincolnshire
Investment advice near North Somerset
Investment advice near North Tyneside
Investment advice near North Wiltshire
Investment advice near Northampton
Investment advice near Norwich
Investment advice near Nottingham
Investment advice near Nuneaton & Bedworth
Investment advice near Oldham
Investment advice near Oxford
Investment advice near Pembrokeshire
Investment advice near Perth & Kinross
Investment advice near Peterborough
Investment advice near Plymouth
Investment advice near Poole
Investment advice near Portsmouth
Investment advice near Powys
Investment advice near Preston
Investment advice near Reading
Investment advice near Redcar & Cleveland
Investment advice near Reigate & Banstead
Investment advice near Renfrewshire
Investment advice near Rhondda, Cynon, Taff
Investment advice near Rochdale
Investment advice near Rochester-upon-Medway
Investment advice near Rotherham
Investment advice near Salford
Investment advice near Salisbury
Investment advice near Sandwell
Investment advice near Scarborough
Investment advice near Scottish Borders
Investment advice near Sefton
Investment advice near Sevenoaks
Investment advice near Sheffield
Investment advice near Slough
Investment advice near Solihull
Investment advice near South Ayrshire
Investment advice near South Bedfordshire
Investment advice near South Cambridgeshire
Investment advice near South Gloucestershire
Investment advice near South Kesteven
Investment advice near South Lanarkshire
Investment advice near South Oxfordshire
Investment advice near South Somerset
Investment advice near South Tyneside
Investment advice near Southampton
Investment advice near Southend-on-Sea
Investment advice near St Albans
Investment advice near St Helens
Investment advice near Stafford
Investment advice near Stockport
Investment advice near Stockton-on-Tees
Investment advice near Stoke-on-Trent
Investment advice near Stratford-on-Avon
Investment advice near Stroud
Investment advice near Suffolk Coastal
Investment advice near Sunderland
Investment advice near Swale
Investment advice near Swansea
Investment advice near Tameside
Investment advice near Teignbridge
Investment advice near Tendring
Investment advice near Test Valley
Investment advice near Thamesdown
Investment advice near Thanet
Investment advice near The Wrekin
Investment advice near Thurrock
Investment advice near Torbay
Investment advice near Trafford
Investment advice near Vale of Glamorgan
Investment advice near Vale of White Horse
Investment advice near Vale Royal
Investment advice near Wakefield
Investment advice near Walsall
Investment advice near Warrington
Investment advice near Warwick
Investment advice near Waveney
Investment advice near Waverley
Investment advice near Wealden
Investment advice near West Lancashire
Investment advice near West Lothian
Investment advice near West Wiltshire
Investment advice near Wigan
Investment advice near Windsor & Maidenhead
Investment advice near Wirral
Investment advice near Wokingham
Investment advice near Wolverhampton
Investment advice near Wrexham Maelor
Investment advice near Wychavon
Investment advice near Wycombe
Investment advice near York