How we charge

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Our charges

The way we are paid for our services may depend on the type of advice given. Typically, this will be:

  • Investment business: fees agreed and paid by you
  • Insurance business: fees agreed and paid by you or commission payable by the insurance provider, which is a percentage of the total annual premium

More details on these options and how they are paid is found in the following sections on initial and ongoing charges.

Our charges fall into the following categories:

  1. Initial charges: these are the upfront costs of our services. We offer several types of initial service depending on your needs.
  2. Ongoing charges: once your financial plan is in place it is important to keep it under review so that it can be adapted, where necessary, as your circumstances change. Our ongoing services are designed to do this.

Our actual charges and fees (in pounds and pence) will be agreed with you before we do any work and we’ll explain your payment options too. We’ll also let you know where any fees are subject to VAT.

 

Our Service Levels

Our ongoing services are optional. If you agree to purchase an ongoing service, unless otherwise agreed, the service will be provided as a follow up to the initial service and will be agreed by you at outset:

Ultimate Service                                

This service provides at least one face to face meeting with an adviser on an annual basis where we will provide an Investment Review and assess the ongoing suitability of the investment contracts we have previously recommended.

In addition, quarterly rebalancing of the investment portfolio will be offered where funds are invested on provider platforms such as Aegon Retirement Choices, Standard Life WRAP and Old Mutual Wealth.  This service level also incorporates those clients in receipt of a Discretionary Fund Management (DFM) service whereby ongoing rebalancing occurs as and when the DFM deems this appropriate. 

Core Service

This service provides the availability of at least two face to face meetings with an adviser on an annual basis where we will provide an Investment Review and assess the ongoing suitability of the investment contracts we have previously recommended.

Basic Service

This service provides the availability of at least one face to face meeting with an adviser on an annual basis where we will provide an Investment Review and assess the ongoing suitability of the investment contracts we have previously recommended.

Reactive Service

This service is for business conducted on a one-off basis and will not provide any on-going reviews.

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