How

we are paid

At the outset we arrange a preliminary meeting for the purpose of establishing whether we are able to assist with the prospective client's needs and objectives. At this meeting we assess how much work is involved and also discuss how we will 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 we are paid by means of a fee payable by you, or by means of commission incorporated in the cost of any financial product you buy, or a combination of the two.

Commission is paid to an Independent Financial Adviser (IFA) firm by a Product Provider, usually an insurance company or an investment house, for the successful placing of business. The commission is included within the provider's normal product charges.

We also offer you the choice of paying a fee deducted directly from the financial product rather than a commission. Where this is your preferred option we charge exactly the same fee whether it comes directly from you or from the financial product.

Fees may be subject to VAT and we will advise you whether or not this is the case. Under current legislation commissions do not attract VAT.

Whether we take our remuneration by way of commission or fees will be a matter of discussion between us followed up with a written agreement - no charges for fees will be made without prior notification.