Financial advice for long-term planning
Financial advice for a fraction of the cost
ii Advice does things differently.
Get a personal financial roadmap, ongoing advice, and investment management for a simple, flat monthly fee that could save you thousands. No percentage fees. No upfront charges. Just advice that makes a difference.
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.
Cost
Advice fees should be simple and transparent. Our fixed, flat fee - with no initial or upfront charges - means you can keep the wealth you’ve built.
Convenience
It’s your life; your advice should fit around you. Meet with your advisers via video call from the comfort of your own home, at a time you choose.
Confidence
Financial advice can provide the answers you need, whether you’re thinking about retirement, family, or just how best to use your money.
Flat-fee financial advice could save you £1,000s
An independent review by Boring Money found that ii Advice could save you £1,000s compared to some of the biggest financial advice providers.
That’s because ii Advice does things differently. Many financial advice providers charge a percentage fee on your assets. That means the more you have, the higher your costs.
We don’t do that. Our fixed flat advice fee is clear, transparent, and can help you keep more money and could help you reach your goals sooner.
Please note, this is an estimate and chart isn’t to scale. Actual costs may vary depending on performance of underlying investments. Other providers may offer a different scope of advice services and the option of in-person meetings.
How we calculated this comparison: Investment growth has been modelled at a constant rate of 5% per annum over a 10-year period and does not represent a guarantee of future performance or take into account the effects of inflation. Actual returns will vary. Portfolio projections include advice, platform, and investment charges. Investment charges as follows: interactive investor, St. James’s Place 0.20%, Hargreaves Lansdown 0.30%, Quilter 0.37%. Projections exclude transaction costs which vary by fund type and strategy. VAT may apply to some advice or planning fees, depending on the provider and the service being offered, and has not been included in this comparison. Platform and fund charges are based on secondary research conducted by Boring Money and were correct as at 01/07/2026. The model is standardised and may not reflect all available products, pricing options, or individual circumstances. The value of investments can fall as well as rise, and you may get back less than you invest.
*Advice/platform fee calculated as an average, charged over 10 years assuming fund growth of 5% per annum.
How much is financial advice with ii?
ii Advice has no initial fees and no fees for creating your plan.
You only pay a flat, ongoing fee of £100 a month (or £150 a month for couples planning their future together).
This covers everything:
- Your personalised financial plan
- Continued expert support
- Your underlying SIPP, ISA and Trading Accounts
You also get full access to ii's Premium plan for free (worth £39.99 a month), so you can keep investing independently with a portion of your money if you choose. It’s everything you need, in a simple monthly fee.
| 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.
How ii Advice works
Book a free call with one of our friendly, qualified advisers.
This is your chance to ask them 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. There’s no obligation and no pressure to sign up. No personal advice is given at this stage.
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.
They take everything and turn it into a clear, actionable plan that details exactly where you want to be and how you’ll get there.
Your adviser will also recommend how to invest your money to achieve your goals. We use Aberdeen’s range of investment accounts, and as we’re part of Aberdeen, you get access at a lower rate.
Life changes – and so will your plan.
Our ongoing support means you’re always prepared for the unexpected. 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.
Let’s talk about your future
Book a free 15-minute call with one of our fully qualified advisers. There’s no obligation and no pressure - just an honest conversation about what you want to achieve.
With our 30 years of experience, Aberdeen's near 200-year heritage, and over 500,000 investors who trust us with their money, you're in safe hands from the very first call.
Rated ‘Excellent’ on Trustpilot and Boring Money ‘Value for Money’ award winner 2026.
Everything you get for a flat monthly fee
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.
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 your questions into simple answers. It’s a way to outsource the stress of figuring it all out yourself and feeling confident that you have a plan designed to achieve the life you want.
So when you're ready, let's talk. Book a quick, 15-minute call and chat with a qualified financial adviser about your options.
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.
Whatever your unique circumstances, we can help
The more your wealth grows, the harder it is to know what to do. But you don't need to have everything figured out in life. That's what we’re here for.
With a detailed plan tailored to you, our advisers can help you gain clarity on:
- 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
And with our flat fee that could save you thousands, you can keep more of your money to help achieve these goals. If this is you, book a free, no-obligation call with one of our advisers and let’s chat.
ii Advice FAQs
You can get a feel for what ii Advice is like with our free introductory call.
Book your call and speak directly with one of our advisers. 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. There are certain topics we don’t cover. For example, while we advise on how to take a tax-efficient income from your wealth, we don’t advise on specific tax planning or strategy.
Here are some other examples of who we are and aren’t for:
| 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. An adviser will 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.
interactive investor is part of Aberdeen, and ii Advice provides financial planning and advice with their support.
Your adviser will recommend investments that suit your situation and goals from Aberdeen’s MyFolio range of funds, and these are held on their Wrap platform. This means you get access to their pensions, ISAs, and investment accounts at a lower rate – another way we help you keep more money for your future.
ii's Investment Committee rigorously assesses all fund options, including in-house and third-party funds. They weigh up several requirements to ensure portfolio diversity, a robust investment process, and competitive and fair ongoing charges. MyFolio is chosen because it’s highly rated, represents good value, and continues to meet the needs of investors.
Your adviser will always clearly explain their choices and costs before putting anything in place, so you’ll always know what’s happening with your money.
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.