Low Fees With No Hidden Charges

Our unique approach to financial advice and services means we‘re able to offer the lowest fees possible. We’re completely transparent and upfront.

What we're about

Gaining Trust

We work hard to become your friendly and approachable, go-to financial planning team. We offer sensible, transparent advice and win our clients’ confidence with honest and knowledgeable guidance that works.

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Making Expat Finance Easy

By keeping our fees as low as possible means your money goes further.

We‘re passionate about transparency and being upfront with our client to offer peace of mind.

Our online advice system reduces our costs and fees allowing us to provide expats access to the largest range of and best value international financial products and services.

Harrison Brook is committed to transparency within charges, an area often glossed over within the industry, and principles of integrity to allow us to build successful and long-lasting relationships with our clients.

The typical expat previously faced little choice in fulfilling their family’s transient financial planning requirements. Harrison Brook are transparent and offer the full breadth of market products and services with no product provider bias.

Our Fees & Case Studies

Our unique approach to financial advice and services means we're able to offer the lowest fees possible.
We're completely transparent and upfront

Contribution:
£500 - £1,000

£15 per contribution + 1% per annum ongoing management

Contribution:
£1,000 - £2,500

£25 + 1% per annum ongoing management

Contribution:
£2,500 - £5,000

£40 + 1% per annum ongoing management

Contribution:
£5,000+

£60 + 1% per annum ongoing management

Case Study

Planning for Your Future Retirement

You are concerned that you haven’t saved enough into your pensions and you would like to start a regular savings solution to work towards closing any provision shortfall that you have. You have stated you could afford to save €500 per month into it.

One-Off Charges

  • Harrison Brook Advice & Setup Fee = €1500

Ongoing Charges

  • Fee per Contribution/Premium = €15
  • Investment Platform (GIA) Ongoing Fee = 0.30% per annum
  • Harrison Brook Ongoing Management Fee = 1% per annum

Total = €1500 (One-Off) + €15 per premium + 1.30% per annum (Ongoing)

Less than:
£250,000

3% Setup Fee + 1% Annual Service Charge

Percentage based on a minimum advice fee of £1,500 For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available
Between:
£250,000 - £1,000,000

2% Setup Fee + 1% Annual Service Charge

For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available
More than:
£1,000,000

1% Setup Fee + 1% Annual Service Charge

For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Our Lowest Setup & Advice Fee
  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available

Case Study

Transferring to a personal or defined contribution pension into a International SIPP

You have recently moved to France, you wish to better manage your UK pensions. Priorities include having flexibility on drawdown, ability to hold Euro’s within the pension and a wide investment choice. You require full preparation of a financial plan along with a retirement shortfall calculation.

Your total consolidated transfer value is £100,000.

One-Off Charges

  • International SIPP Setup Fee = £0
  • Investment Platform (GIA) Setup Fee = £0
  • Harrison Brook Advice & Setup Fee = 3.00% of the transfer value (£3,000)

(Including all advice and retirement shortfall calculations – This fee reduces in line with the transfer value)

Ongoing Charges

  • International SIPP Annual Trustee Fee = £180 per annum
  • Investment Platform (GIA) Ongoing Fee = 0.30% per annum
  • Harrison Brook Ongoing Management Fee = 1% per annum

Total = 3% (One-Off) + £180 + 1.30% per annum (Ongoing)

Less than:
£250,000

3% Setup Fee + 1% Annual Service Charge

Percentage based on a minimum advice fee of £1,500 For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available
Between:
£250,000 - £1,000,000

2% Setup Fee + 1% Annual Service Charge

For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available
More than:
£1,000,000

1% Setup Fee + 1% Annual Service Charge

For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Our Lowest Setup & Advice Fee
  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available

Case Study

Defined Benefit (DB) Pension Review

The income from a DB pension scheme is guaranteed for life, you need to be certain that transferring your benefits out of your DB pension scheme is the right thing for you, as the transfer cannot be reversed. If you’re not certain about transferring, it may be best to keep your benefits where they are.We understand that the decision to transfer out of a DB pension scheme can be a little daunting. We’ve put together a case study below to show when you might think about staying put in your DB pension scheme and when you might transfer.

Background

Mark, 63, and Emma, 60 are married with no children.

Mark has worked all his life in marketing in the UK, but now lives and works in France. Emma since they moved to France hasn’t been working.

Currently, Mark earns €65,000 (EUR) per annum, and the couple owns their home in France worth €600,000 (EUR).

They have a total of £150,000 (GBP) and €80,000 (EUR) in savings.

Mark has recently been diagnosed with cancer and is considering early retirement.

From their time in the UK Mark accumulated x3 defined contribution (DC) pensions and x1 defined benefit (DB) pension. They also have a full UK state pension available, along with a smaller French state pension available.

Mark’s DB provider had written to him and outlined some options. When Mark reaches the age of 65, it was projected to provide him a pension of £22,000 per year. Should Mark die before Emma, she would be entitled to receive a 50% spouse’s pension (£11,000 per year). This area is a concern for Mark, as Emma has very limited pension provision of her own.

The DB provider has offered mark a cash equivalent transfer value (CETV) of £710,000 (GBP) instead of a DB pension of £22,000 per year.

Retirement Objectives

  • Vary the timing and amount of income you take from your pension (access) – particularly due to your health issues and future concerns – to enable potential early retirement.
  • Have more control over how your pension is invested.
  • Use the capital value of your pension rather than take the income it produces.
  • Due to your health, Mark wants to maximise the death benefits by being able to pass the full value of his DB pension to Emma given she has limited pension provision of her own.

Solution

When Harrison Brook began to analyse Mark’s pension arrangements, we discovered that the scheme trustees for his final salary pension scheme were offering a very high transfer value relative to the guaranteed income offered. Our default position with final salary pensions is that these should be retained, except in exceptional circumstances, since they offer valuable guaranteed and index-linked income throughout retirement.

However, in Mark’s case, the transfer value was high and once his health conditions were factored in, a transfer out may be considered given Mark’s main priority is maximising the death benefits for Emma.

Defined benefit pension transfers are complex, even more so when you are living outside of the UK. It is imperative that you take clear and transparent financial advice before deciding to transfer or not to transfer out of a defined benefit pension.

Less than:
£250,000

3% Setup Fee + 1% Annual Service Charge

Percentage based on a minimum advice fee of £1,500 For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available
Between:
£250,000 - £1,000,000

2% Setup Fee + 1% Annual Service Charge

For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available
More than
£1,000,000

1% Setup Fee + 1% Annual Service Charge

For UK 'Defined Benefit' (DB) transfer advice, additional costs will be incurred

  • Our Lowest Setup & Advice Fee
  • Free Initial Consultation
  • Low 1% Annual Fee
  • All Major Currencies Available

Case Study

Direct investment from savings into a ‘Global Investment Account (GIA)'

Having worked on numerous work contracts across 3 different countries, you have accumulated $260,000 in your bank’s savings account. You an interested in investing this capital for greater capital growth, but you would like to be able to further contribute into the policy from any country as well as take benefit in any country. It’s also your priority to have no exit penalties in case you need access.

One-Off Charges

  • Harrison Brook Advice & Setup Fee = 2.00% ($5,200)
  • Investment Platform (GIA) Setup Fee = £0

Ongoing Charges

  • Investment Platform (GIA) Ongoing Fee = 0.30% per annum
  • Harrison Brook Ongoing Management Fee = 1% per annum

Total = 2% (One-Off) + 1.30% per annum (Ongoing)

What Our Customers Say

Don't just take our word for it, here's what some of our clients have to say.

Testimonials

  • "From my first contact with Jack Camille I was impressed by the service of Harrison Brook. Advice was clearly given after an in-depth financial review. Advice was very clearly outlined and came with regular reviews of progress. Excellent service all round."

  • "Prompt reliable and expert help when needed.Transparent disclosure of all the costs involved. Friendly and efficient service I would highly recommend."

  • "Sound advice in difficult times. Acceptable prices when compared with alternatives. Regular contact and updates in clear understandable form."

  • "James was able to instantly build rapport, while he guided me through the process of opening an account. This is my first account of this nature, and I had countless questions. James patiently explain things in a way which was easy to understand, while still listening to what I had to say. I really appreciate his insight."

  • "Excellent customer service all the way through, professional, proactive, patient in answering all my questions, immediate answer to emails, great follow up and communication, deep legal knowledge and legal experience in the field, all of which helped in having my pension transferred in a faster amount of time than normal. I’ve rarely received such swift and excellent customer service before. The whole complex pension transfer experience could have been heavy and stressful, but instead it was the whole opposite."

  • "My financial knowledge is very limited but I knew I had to do to invest somewhere. I found the market scary and intimidating. I think really its a mine field. I am very grateful for finding Harrison Brook as they have been outstanding. From the very start they have guided me through the process in an honest and transparent manner explaining every step. Even after a lot of hesitation on my behalf. I don't think I could be happier with the first 6 Months. James Rayburn has been a class act answering all my interrogations patiently and professionally. I would recommend him and Harrison Brook to friends and family. The advice I have received has been very financially rewarding. I look forward to working with Harrison Brook and James for a very long time. Probably one of the best decisions I have ever made."

Harrison Brook has a 5 star independent service rating on Feefo

One of our expert financial advisers will aim to get back to you within 12-24 hours.

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