What it costs to work with us
One initial fee to build your plan. One monthly fee to keep it working. Both agreed in writing before you pay a penny.
How our fees work
Watch a quick video from John on how our work is charged.
There are two parts to working with Thinqviser.
1.
2.
Followed by
A one-off initial fee
This covers the upfront work: getting under the skin of your situation, building your plan, and setting up anything that needs setting up. It depends on how much doing there is, and we agree it with you in writing before any work starts.
A monthly package fee
This covers your ongoing advice: the reviews, the modelling, the strategy, and someone on the end of the phone who actually knows your situation. There are three packages, built around the three stages of a dental career.
Our monthly packages
Three packages, designed for three different stages of your career.
1. Trusted Adviser
£100 a month
For dentists starting out
You're earning properly for the first time and you know you should be doing something with it. This gets you started and keeps you on track.
What's included:
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An annual review and suitability report, with a check-up over Zoom
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Unlimited email access to your co-ordinator
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Personal budget analysis
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A personalised investment strategy
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An annual pension and ISA review
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An annual goal check
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A plain English summary after every Government Budget
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Regular insights on the money topics that matter to dentists
2. Personal CFO
£200 a month
For dentists midway through their career.
More income, more complexity, more questions. This puts proper modelling and a tax plan behind the answers.
Everything in Trusted Adviser, plus:
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Full cashflow modelling, updated every year
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Life event reviews when things change (a practice purchase, a new arrival, a change of plan)
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Phone access to your co-ordinator, as well as email
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Tax efficiency planning
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An invite to our exclusive Boardroom Sessions
2. Strategic Planner
£300 a month
For dentists selling up, stepping back or retiring
The biggest decisions of your financial life, with a planner across all of them.
Everything in Personal CFO, plus:
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Unlimited check-ups with your financial planner
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A face to face strategy meeting every year, at your practice or your home
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An annual tax and estate planning strategy
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Advanced retirement and pension strategy, monitored through the year
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A full drawdown strategy, monitored
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A full exit strategy for the sale of your practice, monitored
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Direct collaboration with your lawyers and accountants
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Advanced cashflow modelling, updated every year
Our initial fees
Your monthly package covers ongoing advice. Before that, there's a one-off initial fee for the work of getting you set up. What that costs depends entirely on what needs doing, so rather than a menu of prices, here's how it works in practice.
Getting Started
An associate early in their career. High earner, not much in the way of assets yet, ready to begin. We set up a pension, an ISA and a Junior ISA. Initial fee: £850.
Ongoing package: Trusted Adviser.
Building the plan
A mid-career practice owner. High income, plenty of assets but most of them illiquid, and an NHS pension that's been left to drift. We build the full plan: are they saving enough, when can they retire, and how to move the practice freehold into a SIPP. Initial fee: £3,500.
Ongoing package: Strategic Planner.
Plan & Setup Together
A mid-career dentist with a large NHS pension who wants to know when they can stop and how much is enough, and who needs a private pension, an ISA and a Junior ISA set up alongside. Planning fee £1,000, implementation fee £850. Combined: £1,850.
Ongoing package: Strategic Planner.
Common questions
Questions dentists frequently ask us about our charges.
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