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Family linking

Date: 06 April 2022

More value for you and your family

Family Linking is a multi-family member discount which can help drive down the cost of investment.

When you and your family members invest with us, you all benefit from one tiered charging structure that is based on the value of all products held on our investment platform, and the percentage charge reduces as assets grow.

Benefits of family linking

  • Up to four generations of family members can be linked.
  • Each family member’s charge is based on the total value of all products held on our investment platform by the family members who are linked.

Please be aware, linked family members will need to be with the same financial adviser.

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A small family group example: £445 saved each year

Client’s mum, age 79, widowed

family-linking-headshots-mum.jpgAsset value: £450,000

  • Charge without Family Linking: 0.29%
  • Charge with Family Linking: 0.25%
  • Saving £196

Client, age 51, divorced

family-linking-headshots-client.jpgAsset value: £500,000

  • Charge without Family Linking: 0.29%
  • Charge with Family Linking: 0.25%
  • Saving £198

Client’s child 1, age 15

family-linking-headshots-child-1.jpgAsset value: £15,000

  • Charge without Family Linking: 0.50%
  • Charge with Family Linking: 0.25%
  • Saving £38

Client’s child 2, age 11

family-linking-headshots-child-2.jpgAsset value: £5,000

  • Charge without Family Linking: 0.50%
  • Charge with Family Linking: 0.25%
  • Saving £13

Next steps

Need more information?

Find out more about family linking by getting in touch with your financial adviser.

Read family linking guide

Ready to submit a request?

Speak to your financial adviser who can complete and submit a request form we need.

Download request form