How we are paid

What you need to know

On receiving an enquiry, we’ll arrange a zoom meeting so that you can have the meeting anywhere you want, whether that it is in the comfort of your own home or place of work.

The purposes of the initial meeting are to establish whether we’re able to assist with your needs and objectives and to discuss the fees for our services, if you’d like us to proceed. There’s no charge for this initial meeting and no obligation on either side.

After the initial consultation, we’ll agree with you on how we’ll be paid, both in terms of the amount, hourly rate, and the timing of the payment, which could be upfront, when you invest, over time to provide a service to you or a combination of these.

Is there a commission?

Previously, financial advisers could also be paid by way of commission based on a percentage of the premiums payable or sums invested.

This is no longer allowed for investment-related products under regulatory changes introduced as part of the Retail Distribution Review, which took effect on 31 December 2012. We’ll always explain to you exactly how much our advice will cost and reach an agreement over how you will pay for it.

Fees

Fees will usually be calculated and based on time spent doing the work, the complexity of the work and the experience and qualifications of the adviser involved. Fees may be subject to VAT at the prevailing rate, depending upon the type of work undertaken.

The fees we charge will be a matter of discussion and agreement – no charges will be made without prior notification in writing.

Our services

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Investment advice

Make your investments go further with our advice.

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Pensions planning

Understand how to make your retirement a success.

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Helping you and your family do more with your money.

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Always online

We’ve embraced the power of the cloud in everything we do.

Passionate about results

There’s nothing better than seeing your plans come to fruition.

Focused on you

The advice you get will be tailored to your specific needs.