Fee Structure
At Rich Ideas, we believe financial planning should be clear and approachable—starting with how we charge for our services and how we will add value to your journey with us.
We operate on a fee-based model, which means we’re paid for our time, advice, and expertise—not for selling you products. This ensures that every recommendation is made with your best interests in mind.
Let’s First See If We’re a Good Fit
We begin with a relaxed, no-obligation virtual chat called “Do We Fit”. This session is offered at our expense and gives us both a chance to connect, understand your needs, and answer any questions—no pressure, no sales pitch.
What Do Our Fees Cover?
Our planning fee is tailored to your personal situation, and is designed to provide the care, service, expertise, attention, and dedication you deserve—each and every year.
Depending on your needs, this may include:
- Full financial planning
- Budgeting and cashflow strategies
- Investment and retirement guidance
- Estate and legacy planning
- Support with major purchases (property, vehicles)
- Wills, trusts, and more
Why Do We Charge Fees?
Your financial future deserves more than a quick product pitch. Our fee covers the real work of financial planning—understanding your life, mapping out your goals, running the numbers, analysing your options, and creating a clear, personalised plan to help you thrive. (You’ll see this in more detail throughout this brochure.)
All our fees are fully disclosed, clearly explained, and agreed upon in advance. You’ll never receive an unexpected invoice or hidden charge.
Our Promise to You
We’ll walk this journey together—with honesty, empathy, and independence. You’ll always know what you’re paying for, and more importantly, why it matters.
Our plans and what they cost
Three retainer plans, one clear price each. The first-year fee covers your full planning process and a year of support. From year two you pay the ongoing fee for reviews, implementation and access to your planner. All fees include VAT and may change from time to time.
| Plan | Who it suits | Year one* | From year two* | Reviews |
|---|---|---|---|---|
| Foundation | Getting the basics right: day-to-day money, smart habits, solid building blocks. | R22 500R18 500 | R18 500R14 500 | Annual |
| Strategy | More moving parts: multiple goals, a partner, kids, growing assets. | R27 500R23 500 | R23 500R19 500 | Twice a year |
| Pinnacle | Complex affairs: multiple incomes, property, business, trusts, offshore, legacy. | R37 500R33 500 | R33 500R29 500 | Quarterly |
| Single Needs | One question, a second opinion or a standalone task. No ongoing commitment. | Quoted on complexity | 60-minute meeting plus feedback session | |
* Showing prices for two of us (a couple). All fees include VAT.
You can pay by invoice or have fees taken from product commission where that applies. The full detail of what each plan includes is in the Services Guide below, and we’ll always talk it through before you commit.