Our Fee Structure
Fees and Services
We offer an initial discussion (without charge) when we will describe our services more fully and explain the payment options. If you decide to go ahead we will:
- Gather and analyse personal information about you, your finances, your needs and objectives.
- Recommend and discuss any action we think you should take and, with your agreement, arrange relevant investments for you.
- We offer bespoke solutions to meet your financial needs; we pride ourselves on our high quality level of service and at your choice are happy to be remunerated by either commission or fees.
Mortgage Fees
We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. Our typical fee is £195
What are your payment options?
Paying by Fee
Whether you buy a product or not, you will pay us a fee for our advice and services. If we also receive a commission from the product provider when you buy a product, we will pass on the full value of that commission to you in one or more ways. For example, we could reduce our fee; or reduce your product charges; or increase the investment amount; or refund the commission to you.
Paying by Commission (or product charges)
If you buy a financial product, we will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider's own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying them through an adviser, or they could be higher or lower. We will tell you how much the commission will be before we complete an investment, but you may ask for this information earlier.
