Incentivized by your interests,not commissions.
Fee Structure
Vault Saudi keeps fees simple and transparent — a flat monthly subscription for our core services, plus an hourly rate for bespoke advisory.
There are no fees on assets under management, no product commissions, and no hidden charges. You only pay for the service you use.
This model keeps our incentives aligned with yours: our advice is driven by your needs, not by the size of your portfolio or the products we recommend.
Vault Saudi charges for advice and for nothing else: SAR 100 a month for ongoing advisory, and SAR 1,876 an hour for bespoke planning work. There is no percentage of your wealth, no transaction fee, and no commission from anyone whose product we might recommend.
What the monthly subscription covers
The subscription pays for a dedicated advisor and a plan that is kept current. That means a formal review at least once a year, quarterly check-ins, and a rework whenever something material changes: a new role, a business sale, a child starting university, an inheritance. Your advisor is reachable in between, by app, phone or in person at our Riyadh office.
Your first plan is complimentary, so you can see the work before paying for it. The planning page sets out what the engagement involves.
Why there is no percentage-of-assets fee
A fee charged as a percentage of assets grows with your portfolio whether or not the advice does. At 1% a year, a SAR 2,000,000 portfolio pays SAR 20,000 a year, and the same portfolio at SAR 4,000,000 pays SAR 40,000 for the same advisor. Vault Saudi's subscription is SAR 1,200 a year at either size.
A flat fee also removes a quieter conflict. An advisor paid on assets has a reason to discourage you from paying down a mortgage, buying property or funding a business, because each of those moves money out of the portfolio. Ours is paid the same whatever you decide.
What you may still pay to others
Vault Saudi is licensed by the CMA for advisory activity, so it does not hold assets or execute trades. Implementation happens through your own bank, broker or fund manager, and they charge for it: fund expense ratios, brokerage commissions, custody fees and currency conversion spreads. None of that money comes to Vault.
Those costs are part of your plan, not an afterthought. Your advisor sets them out alongside the recommendation, so you can compare the total cost of implementing it through different institutions before you choose one.
Questions about fees
Vault Saudi charges a flat monthly subscription of SAR 100 for our core advisory services, and SAR 1,876 per hour for bespoke financial planning sessions. No assets-under-management fee, no transaction fees, no product commissions.
No. The monthly subscription and hourly bespoke rate are the only fees you pay to Vault. We don't take placement fees, retrocessions, or kickbacks from any third party.
Private banks in the region typically earn 1%–2% of your wealth each year through a mix of management fees, product commissions, FX spreads, and custody charges — often opaque. Vault's flat subscription model is dramatically lower, and you only pay for advice you actually use.
Never. Vault doesn't accept retrocessions, kickbacks, or placement fees from fund managers or product providers. The only money we make is the fee you pay us directly.
Yes. Vault Saudi Limited Company is licensed and regulated by the Capital Market Authority (CMA) of Saudi Arabia (licence 25313-20).