How we are paid
We have made our charging structure transparent and unbiased. Our initial advice fee and ongoing service charges are capped providing a simple, straight forward and easy to understand pricing structure dependent on the service you require.
We charge a fee with commission-offset basis for our clients. Any commission received in excess of fees will be returned to the clients plan. All costs maybe subject to V.A.T.
Fees
If you would like us to work on a fee basis, we will normally agree a fixed fee for an agreed plan of work. At all times, we will ensure that you are fully aware of any costs involved, before a commitment is made. Fees may attract an additional VAT charge.
Where we move on to implement the financial plan by arranging, for instance, a life policy, investment or pension plan, we may be paid commission by the provider. We will always tell you about any commission we earn, and it will be taken into account in working out our fee.
Commission
If you are happy for us to work on a commission basis, you will not have to pay us a fee for our advice, instead we will receive commission. We will always tell you about any commission we earn, before you agree to proceed with our recommendation. Working on a commission basis does not mean that our services are free, in reality, the product provider reclaims this commission payment through making deductions from your plan over a period of time.
Fees and Commissions
As an alternative you can pay us by a combination of the above two methods.
For a full list of our charges please refer to our ‘Financial Planning Service and Mortgage Service’ tariff sheets and our ‘Client Agreement’, available to download from our Documents for Download page.