We can offer advice on a fee, commission, or combined (fee and commission) basis.
We are happy to meet all potential clients within a
completely free initial consultation, where we will visit you at
home by appointment. This consultation is also free of any
obligation on your part.
completely free initial consultation, where we will visit you at
home by appointment. This consultation is also free of any
obligation on your part.
We are normally remunerated by the product providers. We
are able to take over servicing of, and advising on, your
current arrangements. This will not cost you anything, and
will not affect the performance of your policy in any way.
We may or may not receive small amounts of ongoing
commission from the product provider. This will depend on
how the policy was originally set up. In cases where we do
not, we are happy to continue to advise on the plan, as a
free service.
are able to take over servicing of, and advising on, your
current arrangements. This will not cost you anything, and
will not affect the performance of your policy in any way.
We may or may not receive small amounts of ongoing
commission from the product provider. This will depend on
how the policy was originally set up. In cases where we do
not, we are happy to continue to advise on the plan, as a
free service.
With regard to any recommendation we make, we would
normally receive a commission payment from the product
provider. This is met in full from the normal charges taken
by the provider. For example, in the case of a Stakeholder
pension, the provider would charge the standard 1% per
annum fund charge (increasing to 1.5% from 6th April
2005), and would pay us from this. We always disclose all
commissions we are paid.
normally receive a commission payment from the product
provider. This is met in full from the normal charges taken
by the provider. For example, in the case of a Stakeholder
pension, the provider would charge the standard 1% per
annum fund charge (increasing to 1.5% from 6th April
2005), and would pay us from this. We always disclose all
commissions we are paid.
We prefer that clients are able to see us as often as they
wish, without the fear of 'clocking up' fees just for a
consultation. At the same time we guarantee that you will
never be put under any sales pressure whatsoever.
wish, without the fear of 'clocking up' fees just for a
consultation. At the same time we guarantee that you will
never be put under any sales pressure whatsoever.
We seek to establish long term relationships, and as
professionals we accept that in some cases we may not
receive any remuneration.
professionals we accept that in some cases we may not
receive any remuneration.
We do of course accept that some clients prefer to pay fees,
and look for enhancements on their products. We are happy
to accomodate such requests. In such cases the initial
appointment remains free, and we will agree a fee structure
before proceeding with any further work on your behalf.
and look for enhancements on their products. We are happy
to accomodate such requests. In such cases the initial
appointment remains free, and we will agree a fee structure
before proceeding with any further work on your behalf.