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What is the lifetime value of a financial advice client?
Last reviewed 22 April 2026 · Reviewed by Jake McQuillan
Quick answer
What is the lifetime value of a financial advice client?
A typical UK wealth-management client has a 10 to 20 year LTV of £15,000 to £120,000+, driven by ongoing fees of 0.5 to 1% on invested assets. A mortgage client has £2,400 to £6,800 LTV from initial fee plus cross-sell into protection and remortgage.
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Wealth / pensions LTV
LTV = initial fee + ongoing fee × average holding period. For a £250,000 client at 0.75% ongoing over 12 years: ~£22,500 ongoing plus initial. HNW clients can hit £120,000+ LTV easily.
Mortgage LTV
- Initial procuration fee + broker fee: £1,200 to £3,500.
- Product-transfer fees over 10 years: £500 to £1,500.
- Protection cross-sell: £400 to £1,800.
- Total: £2,400 to £6,800 per client.
Equity release LTV
Single transaction, procuration fee: £1,500 to £4,500. Very limited repeat revenue — but strong referral economics.
Implication for CPL
Work backwards: CPL should be no more than 3 to 6% of expected LTV. A wealth client with £22k LTV justifies £600 to £1,200 of acquisition cost.
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