How we are paid

On receiving an enquiry we invite a prospective client to come to our offices for a preliminary meeting (we can arrange to come to your home or place of work).

The purpose of the initial meeting is to establish whether we are able to assist with the prospective clients needs and objectives and secondly to discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary meeting and no obligation on either side.

After the initial free consultation, we will agree with you whether you pay us a determined upfront fee or whether we are to paid as a part of the cost of any financial product you buy.

Initial and ongoing fees can be paid to an advisory firm by a provider, such as an insurance company or an investment house, following successful placing of business. The amount we receive is based on a percentage of the premiums payable or sums invested.

The percentage we charge as an initial fee is based upon the value of the investment, as follows:

£0-£50,000 – 3%
£50,001-£100,000 – 2%
£100,001-£500,000 – 1%
£500,001+ – 0.5%

Typically our ongoing fee is 0.75% per annum. For this clients receive up to 2 reviews each year, plus monthly financial updates sent by email (subject to the client wanting to receive them).

Fees can be taken directly from products that we look after (i.e paid to us by the investment house or insurance company) or paid to us seperately.

Whether we take our remuneration by way of ongoing fees or upfront charges will be a matter of discussion and agreement and we will take no fees without signature of our Client Agreement document.