Financial advice for long-term planning
Financial advice for a fraction of the cost
The more your wealth grows, the harder it is to know what to do. Financial advice gives you the peace of mind that you’re making the right choices – and with ii Advice, you get it for a fair, flat fee.
Important information: Your money will be invested, and the value of your investments can go down as well as up. You may get back less than you invested. Additional product, transactional and platform charges will apply upon investment. We cannot provide tax or legal advice.
You have at least £100k across your savings, pensions, and investments
You don’t have a clear plan for your money and want to ensure it has the greatest impact
You want to secure the wealth you've built for your family's future
Why financial advice matters
Can you retire when you want? Can you look after your family’s financial security? Can you enjoy your money now, not just later?
Financial advice helps turn those questions into a simple answer: yes you can. You don't need to have everything figured out in life. That's what we’re here for.
With ii Advice, you get expert support, investment management, and a plan built around your life — all for a fair, flat fee. So when you're ready, let's talk.
Whatever your unique circumstances, we can help
Your finances might be more complex than you realise. If so, ii Advice might be exactly what you’re after.
There are plenty of areas we can help you with:
- Building your pension pot
- Preparing for retirement
- Taking a tax-efficient income from your wealth
- Understanding how much you can spend every year
- Passing on wealth to your family
If this describes you, book your free call and let’s chat.
What you get with ii Advice
Personalised financial roadmap
You've built your wealth; now use it in the smartest way.
Your adviser creates a detailed, personalised plan – covering retirement, tax efficiency, and how to make your money work for you.
Expert ongoing support
Your adviser recommends investments suited to your current finances and future goals.
They’ll also proactively review your plan at least once a year. So even if the markets or life changes, your goals stay on the right track.
Full access to ii
You get ii’s Premium plan (worth £39.99 a month) for free - even if you’re already with ii.
So if you want to manage a part of your money yourself, you can, putting you in control of your wider portfolio alongside your adviser’s choices.
How ii Advice works
Book a free call with a friendly member of our team.
Don’t worry, you’re not committing to anything just yet. This step is simply your chance to ask the questions you’ve always wanted to ask, find out how the advice process works, and decide whether financial advice is the right choice for you.
Over a few video calls from the comfort of your own home, your adviser gets to know you – your finances, your ambitions, and what really matters to you.
By the end, you’ll have a clear, detailed picture of where you are now, where you want to be, and exactly how to get there.
Life changes – and so will your plan.
Your adviser will manage your investments and check in with you at least once a year to make sure everything still fits your life. And if anything changes in between, we're here.
How much is financial advice with ii?
ii Advice is £100 a month (or £150 a month for couples planning their future together).
This covers your personalised financial plan, ongoing adviser support, and the accounts for your recommended funds. And then on top of that, you get full access to ii's Premium plan for free. It’s everything you need, in one monthly fee.
There are no initial advice fees and no fees for creating your plan, and you only start paying once your recommendations are in place.
| Individual | Couple | ||
| Getting started | Initial advice fee | £0 | £0 |
| Plan set up | £0 | £0 | |
| Ongoing | Ongoing advice fee | £100 per month | £150 per month |
The investments we recommend carry their own fees. We’ll always explain these clearly before you invest.
Why a flat fee for financial advice?
Many financial planning providers charge a percentage fee on your assets. That means the more you have, the higher your costs.
ii Advice does things differently. With our flat fee, our advice always costs the same, no matter the value of your investments. And that difference adds up over the years – potentially saving you £1,000s.
It’s clear, transparent pricing that can help you keep more money and reach your goals sooner.
Please note, this is only an estimate. Actual costs may vary depending on performance of underlying investments. Other services may offer a different scope of advice services and the option of in-person meetings.
How we calculated this comparison: Average monthly fee includes initial advice charges, ongoing advice charges, and platform fees, based on published charges as of November 2025 for Hargreaves Lansdown and St. James’s Place financial advice services. This projection does not include investment fees, which would be an additional charge. The calculations are based on an individual investor with a starting pension of £300,000, assume annual investment growth of 5.0%, and have been adjusted for inflation, assumed to be 2.5%. ii advice and platform fees start at £100 per month and are assumed to increase with inflation.
Drawing on ii’s 30 years of helping investors
Your advice comes from ii, the UK's number one flat-fee investment platform, with over 500,000 investors and 30 years of experience.
And as part of Aberdeen, your advice benefits from nearly 200 years of financial expertise. Our advisers are all fully qualified and professionally accredited, so know how to help you achieve what you need.
Rated ‘Excellent’ on Trustpilot and Boring Money ‘Value for Money’ award winner 2026.
The people behind your advice
When people hear “financial advice,” they often think about investments, taxes, and spreadsheets. That alone doesn’t get to the heart of why financial advice matters.
With ii Advice, you have an entire expert advice team – all fully qualified – to provide clarity, confidence, and help you make the best decisions for you and your family.
ii Advice FAQs
You can get a feel for what ii Advice is like with our free introductory call.
Book your call with our helpful Customer Support team; they’ll happily talk to you about your financial needs and give you plenty of time to ask questions. We want you to feel confident that we’re the right choice for you.
ii Advice is not independent, but our advisers are fully impartial. While we recommend investments offered by Aberdeen, of which we are part of, our advisers will only recommend solutions that are suitable for you.
They also aren’t paid more money based on how much you have with us. It’s the same no matter how much you have in your pot.
We’re happy to help anyone who wants a clear financial plan. But it’s not going to be for everyone.
| Who we're for | Who we're not for |
|---|---|
| Individuals and couples with straightforward long-term financial planning needs - normally planning up to, in to, and through retirement. | People with complex financial needs, including trusts, philanthropic endeavours, or complex investment vehicles like Venture Capital Trusts and Enterprise Investment Schemes. We're also not well-suited if you're only looking for an annuity or life assurance. |
| People aged 18 and over. | People under 18, companies, or trusts. |
| UK tax residents. | US citizens and non-UK tax residents. |
| People who want to meet their adviser through video chats in the comfort of their own home. | People who prefer meeting their adviser in person. |
| People who are happy to manage their advice online. | People who prefer a paper-based advice service. |
| People who want a straightforward, low-cost investment solution. | People looking for a complex, bespoke or sustainable investment solution. |
| People looking for an ongoing advice service. | People looking for one-off or transactional advice or looking to implement recommendations themselves. |
If you're unsure, just get in touch. We'll guide you through everything and help you work out whether we're a good match.
All ii Advice fees are collected monthly. The fee for your advice is simply taken from your underlying pensions and investments, giving you one less thing to worry about.
There is an investment fee that is deducted from the price of your funds on a daily basis. Your investments may also incur transaction costs as and when they occur. These are the costs of buying and selling assets within the fund itself.
We’ll show you an estimate of these before you decide to go ahead with your financial plan. And remember, there’s no upfront fee.
With ii Advice, we aim to keep your monthly fee as low as possible. The fee is made up of a few different aspects:
- Advice fee – this is our ongoing advice fee that stays flat even as your wealth grows
- Platform fee – as part of our advice, we may recommend pensions, ISAs, or investment accounts held on Aberdeen Wrap.
These make up your monthly fee of £100 for individuals and £150 for couples. Investment charges will also apply - for a more detailed look, see our guide to ii Advice.
Let's talk.
Your financial future starts with a call. Let’s make sure your money can meet your goals and start putting a plan in place.