Essentials - Your first step to financial confidence

At Equilibrium, we believe everyone deserves access to quality financial planning – no matter where you are on your financial journey. Our Essentials service is designed specifically for individuals and families who are just starting out, as well as those whose financial planning needs are straightforward. If you’re looking for a no-nonsense way to secure your future, our Essentials plan is designed with you in mind.

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Who is Essentials for?

Those starting to plan

People starting their financial journey and those seeking guidance to continue building wealth.

Value focused

Great financial planning should be accessible to everyone who needs it. That’s why we deliver affordable, high-quality advice that makes a real difference.

Less complex needs

Perfect for simpler financial needs—young professionals, new families, or anyone ready to get their finances on track.

What does Essentials offer?

Dedicated financial planner

We provide financial, tax, and investment advice tailored to your goals and circumstances. You will receive an annual telephone or online meeting as part of the service.

Cash-flow modelling

We help you set realistic goals - like buying a home, building an emergency fund, or planning for retirement - and regularly review the progress to make sure everything remains on track.

Pension planning

Understand how pensions work, how to invest, and when you can access your savings.

Access to Equilibrium investments

Start investing with confidence—even if you’re new or have limited assets.

Your own client portal

Track your assets easily, add all your holdings in one place, and access events, blogs, and insights—all through our secure client portal with built-in messaging.

Why choose Essentials?

Expert advice, simplified

Our team translates financial jargon into clear, practical guidance.

No asset minimums

You don’t need a large portfolio to work with us – Essentials is here for you from the early stages of your journey.

Flexible support

Reach our advisers anytime—by phone or securely online—whenever you need support or your circumstances change.

Empowering education

Providing you with smart tools and expert resources to build confidence and take control of your financial future.

Access to in-person events

Once you’re on board, you’ll enjoy exclusive access to our educational masterclasses, timely investment insights, and festive Christmas lunches.

What are the fees?

Initial
fees

An initial fee of £1,620 or 1.5% of the assets invested (whichever is higher) is payable at the outset. This fee is charged only once when you first invest. Any future investments you make will be placed without any initial fee.

Ongoing
fees

Minimum ongoing fee of £1,080 p.a. with a price cap of £2,160 p.a.

Family member
reductions

Offer potentially reduced minimum fees for family members, enabling holistic and connected financial planning across generations.

Events

Masterclass

The Care Conundrum

Here, we will take you through the different stages of care and share real-life client stories so you can see how this works in practice.

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Friday 27 February 2026

10:00 – 12:00

Wilmslow

Book your place

Masterclass

Lasting Power of Attorney

Part of our Law in Order series, this masterclass will provide you with step-by-step guidance on how to create a power of attorney document yourself.

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Friday 27 February 2026

10:00 – 12:00

Wilmslow

Book your place

Masterclass

Cyber Security

In this digital age, we’re all connected more than ever, making it even more crucial to ensure our online experiences are safe and secure. Join us for a masterclass and discover the most effective ways to protect yourself online.

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Friday 20 March 2026

10:00 – 12:00

Wilmslow

Book your place

Masterclass

Right People, Right Money, Right Time

How can your money benefit your loved ones when they need it most? In this compelling masterclass, Financial Planner Ben Rogers will share transformative strategies to create life-changing outcomes for your loved ones, while potentially saving significant amounts of tax in the process.

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Masterclass

Rapid Responsibility

Financial expert, Ben Harrison, will provide a gentle introduction to the world of financial planning and investment by sharing his expertise and insights.

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