On receiving your enquiry we invite you to come to our offices (or if this is not possible at your place of work or home) for a preliminary meeting.
First Meeting
The purpose of this meeting is firstly to establish whether we are able to assist with your needs and help you meet your objectives, and secondly to discuss how we would be paid for our advice and services once you have instructed us to proceed. There is no charge for this preliminary meeting, and no obligation on either side.
Fees
If we agree with you 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 will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. Fees 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, usually an insurance company or an investment house for the successful placing of business. We will always tell you about any commission we earn, and it will be taken into account in working out our fee.
Commission
If we agree with you 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.
Fees and Commissions
As an alternative you can pay us by a combination of the above two methods.
Please refer to our "Client Agreement".
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