AI, Fees, and the Future of Advice
Why the traditional advice charging model won’t survive the next 24 months, and what to do about it
AI costs are falling 10x every 12 months. Agentic systems are already live, coordinating tax, investment and estate planning at near-zero cost. At the same time, the FCA is tightening Fair Value scrutiny on percentage-based fees.
This guide gives you the hard numbers and a practical 12-month action plan.
The economics of advice are changing fast
What you'll learn
What y
The cost curve
How AI pricing fell 99.5% in 18 months, and what comes next
Your action plan
8 steps to adapt your fee model over the next 12 months
The FCA trap
Why client loyalty won’t protect you from Fair Value scrutiny
280x
Cost reduction in AI models over 18 months
22%
Of firms now using subscription fees
80%+
Of ongoing charges at just 3 price points