Welcome to Libra Financial Management, providers of Independent Financial Advice.

Services for Individuals in the UK

What We Do Why You Need Advice How We Work Our Fees

What Do We Do at Libra?

We create a personalised plan for you, designed to meet your current and future financial objectives. We compliment this with regular review meetings. Our bespoke plans can be either comprehensive where we offer advice on the full range of financial planning areas. or tailored where we offer advice on a specified area or areas.

The key areas essential in creating a financial plan are:

Why do you need Financial Advice?

A solid financial plan can play a central role in helping you to get the most out of your money.

With a clear picture of where you are, where you want to be and what is required to get there a financial plan can also give you the discipline you need to work towards both short-term and long-term targets.

  • Experienced advisers give you confidence and peace of mind
  • Able to evaluate and access the best deals on the market if you do need a financial product
  • Can leave you better off and save you time
  • Independent advisers are unbiased and act in your best interests
  • Provide a counter balance to the emotional side of investing which can mean decisions are taken at the wrong times leaving you worse off

How We Work.

We Consult, Review & Recommend, Implement and Support.

Libra Financial Mangement Process
  • Initial meeting with one of our qualified financial planners
  • A chance to ask questions and understand what we do
  • An opportunity for us to find out about you
  • Discuss the options available to you from our menu of services
  • Information about our charges
Review and Recommend
  • Gather information about your existing financial arrangements and full personal circumstances
  • Understand your attitude and tolerance towards investments and personal risk
  • Research suitable solutions to meet your goals
  • Prepare our recommendation report and present it to you
  • Guide you through the application process
  • Handle all policy administration on your behalf
  • Regular updates to keep you informed of progress
  • Ensure all your documents are issued in line with your expectations
  • Structured reviews to give you peace of mind
  • Assist with any policy amendments
  • A choice of differing levels of ongoing support
  • Online client portal

Our Fees

Our Investment Services & Costs

We provide you with an initial consultation free of charge. This helps us to understand your financial objectives and will confirm how we can support you in working towards these. We will also discuss the cost, and levels, of our services both initially and throughout our relationship with you.

We charge for our services by way of a fee. These fees are calculated as:

An hourly rate for the Financial Review and Recommendation.

  • Financial Adviser Hourly Rate - £200
  • Administration Hourly Rate - £50

A percentage based fee for the Policy Arrangement & Implementation.

  • The first £50,000 is charged at: 3%
  • The next £50,000 is charged at: 2%
  • Funds above £100,000 are charged at: 1%

The implementation charge is offset against the financial review and recommendation charge.

A percentage based fee for the Ongoing Reviews and Changes to Existing Investments.

  • Our Advanced service is charged at: 1% per annum
  • Our core service is charged at: 0.5% per annum

We charge our hourly rates for any work not covered by the Advanced and Core services.

Our Insurance and Protection Services and Costs

Similar to our investment services above, we will provide you with a personal and financial review prior to making our recommendation(s) to you. Should you accept our recommendation(s) we will arrange the implementation of this/these for you. The reasons for our recommendations will also be provided to you in a written report.

We do not charge a fee for our insurance and protection services as we will normally receive commission from the policy provider. You will not be subject to VAT for this service.

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