How we charge
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:
- Initial charges: these are the upfront costs of our services. We offer several types of initial service depending on your needs.
- 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.