How we work

On receiving an initial enquiry we will arrange a preliminary meeting either in our office or your place of work or in the comfort of your own home. This is to establish whether we are able to assist with the client's needs and objectives and also 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 fee or if we are paid by receiving a commission from the provider of any financial product you buy. We will always tell you about any commission we earn and this would be taken into account in working out our fee for providing the advisory service.

Commission is paid to an Independent Financial Adviser by the product provider, usually an insurance or investment company. This commission is included within the providers' normal product costs so there is nothing extra for a client to pay to subsidise any such commission payment.

Fees will usually be based on time spent and the complexity of the work and calculated to recover our costs.

Whether we take our remuneration by way of commission or fees will be a matter for discussion and agreement, and no charges or fees will be incurred without prior notification in writing.