Charges & Fees
The initial client consultation is always funded out of our marketing budget at our expense.
This meeting typically takes place at our offices or over the phone depending on your preferences and location. A qualified adviser will take the time to understand your situation and offer an initial assessment as to how we would be able to help you. Only after this initial meeting should you decide you would like to continue with our services then we will agree fees upfront prior to engaging in any further work.
Should you decide to continue with our services then there is an initial charge for advice and arranging an investment plus an additional charge for any ongoing work such as periodic or ongoing reviews, the details of which will be agreed with you in writing before we carry out any chargeable work. You can cancel our ongoing services at any time. Protection products may generate commission which normally will cover the costs of the work we undertake on your behalf but there may be occasions when we levy a fee.
Where commission is paid we will always disclose in writing the amount of commission that we receive. The fees or commission received by our company are not paid in full to your personal adviser; he or she is, remunerated but the Company has to cover its overheads such as rents, rates, etc.
Our charging structure is fully compliant with the recommendations put forward in the Retail Distribution Review which came into effect in January 2013 and we believe that we offer competitive pricing for the level of expertise we offer to all our clients.