No Monthly Fees, No Limits: Why Advisers Are Rethinking Network Costs in 2025

When was the last time you reviewed the true cost of your network membership? If you’re like many self-employed Independent Financial Advisers (IFAs), you’ve probably been told that monthly fees are “just part of the package”—an unavoidable expense for access to compliance, technology, and business support.

But in 2025, advisers across the UK are starting to ask: “What exactly am I paying for?”

At Fintuity, we believe the answer should be simple: You should only pay when you’re earning.

The Problem with Fixed Fees—And Why It’s Holding Advisers Back

Imagine this:

You’ve had a slower quarter. A few deals delayed. Clients waiting on market shifts before committing. Meanwhile, your network fee still comes out like clockwork.

Now multiply that by 12 months, across a volatile market. That fixed fee isn’t just a number on an invoice—it’s a direct cut into your business’s cashflow.

👉 In contrast, networks like Fintuity remove this barrier entirely. We don’t charge a monthly fee. You only share revenue when you’re earning revenue.

This isn’t just semantics—it’s a structural difference in how your business builds profit.

According to a 2024 analysis by FT Adviser, many networks in the UK charge between £250–£500 per month, excluding additional compliance or tech fees—costs that stack up even when new business slows down (source: FT Adviser).

Fixed Fee vs No Monthly Fee: A Clearer Choice

Here’s a quick breakdown of what this difference looks like in practice:

Source: Internal analysis and FT Adviser research

When advisers make the switch, they’re often surprised how much hidden pressure disappears simply by removing fixed costs.

“It Felt Like I Got a Pay Rise Overnight” – Adviser Insight

One of our advisers who recently joined, a London based IFA with 12 years experience, described his move to Finuity as transformative:

“I’d been paying £400 a month for years, plus compliance add-ons. In quieter months I was losing money just to stay in the network. Joining Fintuity felt like an instant pay rise—I could focus on rebuilding my client book without worrying about invoices coming in.”

This sentiment reflects a wider trend noted by industry commentators, with Money Marketing reporting growing adviser dissatisfaction with rigid fee structures (source: Money Marketing).

Why the No-Fee Model is Gaining Ground in 2025

In today’s environment, advisers want flexibility, not fixed overheads. The no-monthly-fee model is gaining traction because it:

✅ Aligns the network’s success with yours—we only earn when you earn.
✅ Eliminates sunk costs—no paying just to stay onboard.
✅ Frees cashflow for marketing, client events, or investing in your practice.
✅ Avoids long-term fee escalation baked into many contracts.

A 2024 survey by the Personal Finance Society found that flexibility and low-cost partnerships ranked among the top three priorities for advisers choosing networks (source: PFS).

And with full access to integrated tech, compliance, CRM and client tools included without a fee, it’s no wonder advisers are questioning why they’ve been paying extra for essentials elsewhere.

The Bottom Line: You Deserve a Network That Invests In You

At Fintuity, we believe networks should be partners, not landlords. You shouldn’t be paying rent on your own business just to access essential tools and compliance support.

✅ No monthly fees.
✅ No fixed costs.
✅ Just a competitive revenue split when you earn.

If you’re ready to rethink your network partnership, let’s talk.

👉 Book a call today to explore how joining Fintuity can free your business from unnecessary costs—and help you grow on your own terms.