How We Are Paid

Upon receiving an enquiry from you, we will organise an initial meeting. This first meeting is mainly to introduce ourselves to you as a potential client and to discuss your current situation and what you wish to achieve.

There is no charge for this initial meeting and no obligation to proceed from you or us. We would normally formulate our recommendation in a report for our second meeting which we would then discuss with you.

If you decide to proceed with the recommendations given at the second meeting you then have an option as to how we are paid going forward.

Here is a summary of the options available:

Payment by fees

Whether you buy a product or not, you will pay us a fee for our advice and services. If we also receive commission from the product provider when you buy a product, we will pass on the full value of this commission to you in one or more ways. For example we could reduce our fee, or reduce your product charges, or increase your investment amount or refund the commission to you.

Paying by commission

If you buy a financial product, we may receive commission on the sale from the product provider. Although you pay nothing upfront, this does not mean our services are free. You still pay us indirectly through product charges. Product charges pay for the product providers 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 through an advisor, or could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you may ask for information earlier.

Paying by a combination of fee and commission

In some circumstances we also charge a fee on top of any commission we might receive.

Mortgage Advice

You can choose how we are paid: you can either pay us a fee, usually 1% of the loan amount (minimum £750), or we can accept commission from the lender.

Call Back Request

Please complete the call back enquiry form below and we will be very happy to call you back and make an appointment to come and see you.

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