Pricing

Client Levels

At GoTo Finance, we believe in transparent and fair pricing, giving you the flexibility to choose the service model that best suits your needs. Whether you’re looking for a single product, targeted advice, or a full financial plan, we offer flexible pricing options to ensure long-term value.

Foundation

Single Product Needs
300 Initial Fee
  • Initial Fee/Max 5% of Investment
  • Online Consultation
  • Budgeting Support
  • 1 Annual Review Call

Core

Targeted Financial Planning
1000 Initial Fee
  • Initial Fee/Max 4% of Investment
  • All Benefits of Foundation
  • In Depth Financial Analysis
  • Targeted 'GoTo Master Plan'
  • 1 In Person Review & Up to 2 Calls

Ultimate

Comprehensive Financial Planning
2750 Initial Fee
  • Initial Fee/Max 3% of Investment
  • All Benefits of Core
  • Ultimate 'GoTo Master Plan'
  • Cashflow Modelling
  • Advanced Tax & Estate Planning
  • Unlimited In Person Reviews & Calls
Best Value
Any Ongoing Fees?
  •  0.5% per annum on assets under management (this is our advisor fee).
    -This covers the annual review fee and ongoing service.
    -Clients have the option of paying a fixed fee instead of a percentage-based fee.
    Discounted rates are available for high-net-worth clients.

When investing, the Annual Management Charge (AMC) is made up of three key elements:
1️⃣ Provider Fees – Charged by the investment or pension provider for administering your policy.
2️⃣ Investment Fees – Fees associated with the underlying funds you invest in.
3️⃣ Advisor Charges (Us) – Our fee for ongoing advice, financial planning, and investment management.

We offer life cover, critical illness, income protection, and mortgage protection. These services are typically compensated differently from our financial planning services.

How We Are Paid for Protection Products:

  • We usually receive a commission from the product provider to implement your policy. This is typically equal to the first year’s premium.
  • If you prefer, you may choose a fee-only arrangement instead.
  • Important Note: Most providers do not offer a nil-commission option, meaning your choice of providers may be limited if you opt for fee-only implementation.

We Believe in Transparency & Fair Pricing

At GoTo Finance, we are committed to clear, upfront pricing and ensuring you understand exactly how we are compensated.

Unlike some financial firms, we believe in full transparency whether it’s our advisor fees, investment charges, or provider commissions. Our goal is to provide expert financial advice that delivers real value, while giving you a clear understanding of what you’re paying for.

  • We offer a flexible fee structure, allowing clients to choose between commission-based, fee-based, or a combination of both.
    Our ongoing service fees cover financial planning, investment reviews, and ongoing support to ensure your financial goals stay on track.
  • For protection products (life cover, mortgage protection, etc.), we are generally compensated by the provider through commission

Click below to view our Terms of Business, where we detail our pricing structure, commission arrangements, and ongoing service commitments.

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