How it works

How we charge

Our fee philosophy

Our goal is to do right by you, and you deserve financial advice that is fair and transparent. To give you this, we will always take the time to get to know you, your goals, and your circumstances before any fee is charged. From there, our advice will be explained to you clearly, with no hidden costs. You only pay once you are comfortable and confident in the value we can provide.

We know that professional financial guidance is an investment in your future, and we want you to see value that matches, and often exceeds, the cost. Our approach reflects the time, expertise and ongoing commitment we give to every client, from planning and implementation through to regular reviews and support as your circumstances change. Our fee structure is clear and discussed openly at the outset, so you always know what you are paying for and why.

If you do see the value, and you would like to work together, our fees cover:

Initial advice and recommendations

We always take the time to understand your situation, objectives and priorities.

Putting your plan into action

We help implement and manage suitable strategies and effective solutions on your behalf.

Ongoing support and reviews

We keep your plan up to date with regular contact and adjustments where needed.

Access to expert guidance

Our team brings deep investment and financial planning expertise to every conversation.

Peace of mind

Knowing your financial planning is being actively managed and regularly reviewed.

The long-term value of professional advice

Choosing to pay for professional financial advice is a big decision, but research shows that it often pays off.

Those who work with financial advisers accumulate more wealth over time and feel more confident for the future; clients who received advice were, on average, nearly £48,000 better off in pensions and financial assets¹.

Additionally, advised clients are more likely to stick with long-term financial plans, make better decisions, and feel less anxious about money; 77% of them agree that their adviser had made them financially better off, with many reporting improved confidence and planning outcomes².

Professional financial guidance isn’t just about returns — it’s about helping you make considered decisions, avoid costly mistakes, and build a plan that supports the life you want to lead.

Unbiased’s ‘The value of financial advice: how much is it actually worth?’ article, December 2025: Unbiased
Standard Life’s Retirement Voice report 2025: Standardlife

Hear from the people we have helped

We treat our clients as people, not portfolios. We are just as excited about their futures as they are, and it shows.

    
 
 
      Posted on Google  
   
   barry feltham 
 62 days ago
 
 
 Trustindex verifies that the original source of the review is Google. i have been dealing with tom harvey of j edward sellars for my pensions investestments.tom is very easy and relaxed too deal with. i think i have had excellent advice and my interest growth has been better than expected.all round pleasant experience.i would highly recomend tom harvey.
  
 
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   Jim Searle 
 95 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very easy process and professional communication
  
 
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   Richard J 
 112 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Understanding pensions and long-term retirement planning can feel overwhelming, particularly with the range of options available on the market. If you need expert  advice to help plan your retirement and choose the most suitable product to meet your requirements speak to Joe Chillingworth at J Edward Sellars. Joe is a very professional and friendly financial adviser and has been extremely helpful in assisting me with the consolidation of my pensions. Thank you Joe!
  
 
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   Lee Weston 
 146 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Joe has been a great help in his advise and guidance in helping me (self employed in my thirties) set up a pension. I was very aware I wanted to plan for my future and retirement with setting up a pension but after lots of research needed additional advise. Joe has been really clear on the various options for me as a self employed person and clarify some of the questions I had from my own research which led me to finding the right option that fitted circumstance. He's been really approachable, with great insight and professional.
  
 
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   Steve Chinn 
 154 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Always pro-active, reliable, accessible, enabling, positive and helpful
  
 
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   Jane Winsbrow 
 155 days ago
 
 
 Trustindex verifies that the original source of the review is Google. From our very first conversation. Tom took the time to really understand my goals and explain my options in a clear, jargon-free way. His advice was tailored to my situation, and I felt confident every step of the process. What stood out most was their professionalism combined with a genuinely friendly approach — I never felt rushed or pressured, and all my questions were answered with patience and clarity. Thanks to their guidance, I now have a clear financial plan and peace of mind about my future.
  
 
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   Philip Lewis 
 191 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Tom Harvey from J Edward Sellars has been incredibly helpful and thorough over the years helping us manage our trust account. I would  definitely recommend his services
  
 
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   Judith A O'Shea 
 203 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Always helpful without being pushy or overbearing
  
 
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   Jenny Rowland 
 209 days ago
 
 
 Trustindex verifies that the original source of the review is Google. It is always a pleasure to talk to Jo. He is always willing to discuss any queries I may have and I trust him to look after my humble portfolio. Jenny Rowland
  
 
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   Ann Farrow 
 225 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Couldn't recommend more highly - very helpful for somebody who isn't great with figures and Jacob takes the time to explain in a way that I will. My investments are doing better than anticipated so all together very pleased! Would definitely recommend.
  
 
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   Rachel Smith 
 280 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Joe helped me through the baffling world of pensions. Absolutely star and would highly recommend using J Edward Sellars 👌
  
 
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   anne jones 
 312 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very professional yet completely understanding of clients' needs, especially those with very little or no financial background, and with only basic experience of finance.  Would highly recommend.
  
 
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   spike 1968 
 346 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I needed financial help in preparing for retirement during lockdown. I put out a request on line for help and was contacted by JEdward Sellars. They allocated Joe chillingworth to me who has been absolutely superb. I am briefed annually on my pension and asked for any changes to plans that might be due to circumstances or health . Joe has given help and advice where I needed it and has always been on hand for any ad-hoc quesions. I cannot fault the comapny, they have been extrmely helpful and I would have no hesitation in recommending them.
  
 
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   sian williams 
 371 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I’d never worked with a financial advisor before, so I was a bit nervous. But after my initial phone call with Thomas, I felt instantly at ease. He took the time to understand what I wanted to achieve with my inheritance. Thomas then visited my home to go through everything in detail, followed by an online meeting where we explored my options. He explained each step clearly, ensured I felt informed, and never once pressured me into making a decision. I now feel far more confident about my financial future and know I have someone I can rely on. I feel supported every step of the way, and with yearly reviews planned, I’m reassured that we’ll stay on track together."
  
 
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   Ryan Ireland 
 385 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Tom and the team have been helping me with my finances for last few years now and they have been very easy to work with. Very clear and transparent advice with great results.
  
 
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   Sheila O'Brien 
 455 days ago
 
 
 Trustindex verifies that the original source of the review is Google. This team are fantastic listeners ! We have dealt personally with both Tom and Jacob  - they are equally patient with our many questions and very knowledgeable about not only our meagre finances but also the wider impact of UK and world events. Always a pleasure - thank you.
  
 
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   Rod Bishop 
 455 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We have been with you since 2018 and our investments have kept their head above water through Covid and the Truss financial problem. Cannot leave a review about Tom Harvey as haven't yet meet him following the departure of Andrew Hooper.Our first meeting with Tom is on the 16th June. Rod & Diane Bishop
  
 
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   les mears 
 456 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I've been very pleased with the advice and guidance given by J Edward Sellers and Joe has been particularly helpful in his advice and help
  
 
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   Chris King 
 470 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Excellent personal service if and when I need ongoing advise when circumstances change