Our Story
Established by Chris Smith in 1996, Langham Associates has been providing trusted, independent financial advice for nearly three decades.
About Langham Associates
At Langham Associates, we are proud of the investment performance we achieve for our clients. Each portfolio is carefully tailored to your goals and risk tolerance — from low to high risk — and built using a diverse mix of asset classes, including cash, fixed interest (such as Gilts), and global equities. Our disciplined, research-driven approach ensures a balanced strategy designed to protect and enhance your financial future.
Located east of Ipswich, we serve clients across Suffolk and North Essex, individuals and families who want to preserve and grow their wealth for generations to come.
Our clients share:
-
A deep respect for the hard work it takes to build wealth.
-
A commitment to protecting capital while achieving sustainable growth.
-
A desire to pass on their wealth and their values to family and charitable causes.
-
A focus on working with a trusted, long-term wealth management partner.
You can read some of our client reviews here
"Prevention is better than cure. I never want to see families suffer unnecessarily as a result of financial planning failure."
Meet Chris Smith
Managing Director
Langham Associates Ltd was established by Chris Smith in 1996.
Prior to this Chris spent over 6 years working in Financial Services employed by large corporations including Prudential, Canada Life and Bristol & West Building Society. Chris held several different roles both at adviser level and senior management.
Chris is fully qualified and very passionate about what he does. He prides himself on building trustworthy and reliable relationships with his valued clients, some of which he worked with for over 20 years.
A summary of how we charge for our services:
We believe in fair adviser charges, which are competitive and provide value for money for the services and advice provided.
The costs below are based on “face to face” in person advice either at your home or our office.
We provide an initial financial planning report. This looks at your current situation, goals, objectives, existing arrangements and provides a holistic overview of your outlook and identifies any shortfalls in your planning needs. We charge £750 for the report. We believe that this is starting point for any advice and is one of the most valuable services we provide. It also, gives the client the opportunity, for a low-cost outlay to decide if they need to move to the next stage of advice.
If you then choose to move to the advice stage, we then charge the following:
We charge an initial advice charge which is typically between 1-3% of the initial amount invested. The amount is dependent on the type of advice and the complexity. Subject to a minimum initial charge of £1299. We offset the Financial Plan report fee of £750 against the adviser charge.
Our ongoing service is charged between 0.5-1% of the amount invested. This is dependent on the type of ongoing service required, the frequency of meetings and the type of investment. Subject to a minimum annual charge of £495 per annum.
We provide a free 30 Minute consultation to discuss your situation and identify the advice and scope of work needed. We will then be able to provide you with an accurate fee quote for our services and the scope of work required.
A typical example of costs below for in person advice:
Scenario 1
A client has two existing pensions with a total combined value of £180,000. The main objectives are consolidation and investment according to risk. Based on the scope and complexity of this advice we would charge £750 for the financial report, and a fee of 1.2% of the amount invested, i.e. £2,160. We would offset the cost of the financial report fee of £750 against this fee. Therefore, the total overall fee is £2,160.
Given the client’s needs for ongoing reviews the ongoing advice charge would be 1% of the amount invested. The total fee is £1,800 pa.
Scenario 2
A client has three existing pensions with a total combined value of £200,000. Their main objectives are to take benefits, draw income now and advice on the best methods of withdrawal. This type of advice is more complex and therefore based on the scope and complexity of this advice, we would charge £750 for the Financial Plan report, and a fee of 1.5% of the amount invested, i.e. £3,000. We would offset the cost of the financial report fee of £750 against this fee. Therefore, the total overall fee is £3,000.
Given the client’s needs for ongoing reviews the ongoing advice charge would be 1% of the amount invested. The total fee is £2,000 pa.
If the client is comfortable being advised online, using the teams video platform, then we provide an online discount of 15% off our fees.