Family & friends discount

We believe in making financial planning accessible to all

That’s why we’ve introduced our ‘family & friends’ discount. So, no matter how much money you have to invest, our fees are kept as low as possible. (It’s also our way of rewarding our clients for referring their family and friends to us.)

Here’s how it works

Because we have a tiered approach to our charges, family members and friends (up to a maximum of four people) can group their investments together to benefit from lower ongoing advice charges.

For example:

Mr Jones has an ISA worth £30,000 and a pension worth £200,000 (so his assets total £230,000). Currently, the ongoing advice charges for Mr Jones are 0.75% of his assets, which is approximately £1,725 per year.

Mr Jones then introduces Mrs Smith, who holds an ISA worth £60,000 and a pension worth
£300,000 (so her total assets are £360,000). Mrs Smith’s ongoing advice charges would normally be 0.65% of her assets, so approximately £2,340 per year.

By grouping their assets together into the ‘family & friends group’, their overall assets equate to £590,000. This would reduce their ongoing advice charges to 0.5% per annum. As a result, Mr Jones’s ongoing charges will reduce from £1725 to £1150 per year, saving him £575 per year.

Mrs Smith’s ongoing charges will reduce from £2,340 to £1800 per year – that’s a saving of £540 per year.

Should they both decide to reinvest the money they save, their investments are likely to grow even faster!

For more information, please do contact us.

Please note: All information will be held and advised completely separately. Assets will only be grouped together for the purpose of ongoing charges. Naturally, terms & conditions apply – contact us for more details.

Testimonials

Blue Ocean has always given me the help and advice that I feel protects my family’s investments. Not only have we used Blue Ocean for more than 20 years, but the team have always made us feel welcome. Always at the end of the phone for any advice we may need. Many thanks!

Russell Paul David

Rochester, Kent

A client since 2001

Professional and reactive to any questions regarding your investment.

Michael Gould

Kent

A client since 2011

Knowledgeable, approachable and always happy to discuss my issues.

Michael Southall

London

A client since 2018

Very good, friendly advice from a good team.

Stephen Williams

Kent

A client since 2010

Having been a client of Blue Ocean for the past 3-4 years, I can honestly say there is nobody I trust more with regards to my financial future than John and the team. Too good to be true? Not with Blue Ocean!

Liam Ryan

Essex

A client since 2016

I moved my investments to Blue Ocean in 2014. The advice I have received has been more professional and my investments have performed better. The staff are polite and always quick to respond to queries.

Lee Menzies

East Sussex

A client since 2014

I find them very easy to deal with. Extremely knowledgeable and with no pressure.

George Howell

Bexleyheath

A client since 2016

We have used John Doyle and Blue Ocean for over 20 years as our financial adviser for everything from mortgages, pensions, income protection, trusts and investments. His advice has always been realistic, reliable and no-nonsense. He has always understood our requirements and has advised accordingly.

Michaela Franklin

Kent

A client since 1999

Having the benefits of sound financial advice from Blue Ocean for over 20 years, I would recommend them without hesitation.

Andrew Martin

Medway, Kent

A client since 1999

I have been advised by Blue Ocean for the past 21 years, and have always found their service sound, helpful and supportive.

Louise Bober

Kent

A client since 1999

Working with Blue Ocean has enabled myself and my wife to invest our pension savings with the confidence that they are being managed by a professional team of qualified financial advisers. They have been very supportive and responsive when we've requested a detailed analysis of our investment performance and the outcome has been positive in terms of the expected returns. I have recommended family and friends to Blue Ocean and they have been equally very satisfied with the service.

Glen Ridout

Kent

A client since 2011

I love Blue Ocean Hartley! So very helpful and fantastic staff.

Christine Bryant

Dartford, Kent

A client since 2009

I have received honest advice in a relaxed, friendly environment with my personal circumstances paramount.

Janice Hill

Kent

A client since 2009

Honest, well versed, ‘personal touch’ business out to make sure everyone has satisfaction.

John Townsend

Hearn Bay, Kent

A client since 2017

Since we have used John and the team over the years our investments have gone from strength to strength. We’re very happy with the work they have done for us. I am now in a position to retire with no money worries.

Keith Yeates

Kent

A client since 2008

Blue Ocean resolved a difficult situation in a very satisfactory way. The whole staff are extremely friendly and helpful and it was very cost-effective.

Richard Mersh

Kent

A client since 2017

Bespoke service... friendly, helpful staff.

Jane Stevens

Dartford, Kent

A client since 2017

I have known John for over 20 years and have always been satisfied with his integrity, knowledge and reliability. I recommend him to business and family contacts without reserve.

Paul Richardson

Surrey

A client since 2002

Over the past 18 years, I have received very reassuring advice on my investments and always been treated in a friendly but professional manner.

Jacqueline Prosser

Surrey

A client since 2001

We would have no problem whatsoever in recommending the services of Blue Ocean for sound financial appreciation and advice, all handled in a friendly, convivial and concerned manner. Blue Ocean are always looking at how they can go that extra mile for their clients. This is a rare positive commodity in any business environment in today's world. The financial advice is always considered and simply explained in terms of what if and if you invested here etc. There is no pressure put on me to invest in high-risk return possibilities and at all stages the advice given is tailored to the perceived situation of their clients.