Intelligent Money is an FCA Authorised and Regulated investment management firm, ISA plan manager, pension provider and the UK's largest intermediary-only SIPP Provider. Established in 2002 we have been entrusted with £2.5bn of asset on behalf of nearly 25,000 clients. Intelligent Money is privately owned, has no debt and banks with Coutts & Co.

The simple answer is that there are several factors. We have a minimum investment criteria of £100,000 per client (with certain exceptions) and therefore don't have to inflate our fees to cover dealing with smaller investment amounts. This means that none of our clients are subsidising other clients. W also do not offer (and therefore have liability for) personal advice (see below) and the costs of face-to-face meetings. We provide our Private Client services online and over the phone, which delivers cost savings.

No. Our Private Client service is not advised and you are responsible for your portfolio selection. This is another reason we can keep our costs so low. If you require personalised financial advice please contact us and we will put you in touch with a known, and reputable, financial adviser who can provide this service to you.

Yes. All pension assets are held in Trust and Custodianship and all ISA assets are held via a Nominee and under Custodianship. This means your assets are completely ring fenced and held seperately from the assets of Intelligent Money and our underlying investment manager, Quilter Cheviot. Obviously the value of your investments can rise and fall with market movements though.

Quilter Chiviot is the company Intelligent Money has appointed to run its investment portfolios. It is one of the UK's largest discretionary investment management firms with over £24.4bn of assets under management (as at 30th September 2018) and can trace its origins back 240 years to 1771.

No. The one off initial transaction charge of 1.5% covers all costs of opening your accounts and processing transfers in, lump sum investments and regular contributions. The 0.87% annual charge covers all costs of running your investments (including the underlying investment costs and trading) together with HMRC reporting, basic rate tax relief collection on pension contributions and basic rate tax deductions on pension draw down payments.