How we are paid
On receiving your enquiry we invite you to come to our offices (or if this is not possible at your place of work or home) for a preliminary meeting. The purpose of this meeting is firstly to establish whether we are able to assist with your needs and help you meet your objectives, and secondly to discuss how we would be paid for our counsel and services once you have instructed us to proceed.
There is no charge for this preliminary one-two hour meeting, and no obligation on either side.
We work on a fee basis, either at our standard hourly rate or for a fixed fee for an agreed plan of work. At all times, we will ensure that you are fully aware of any costs involved, before a commitment is made.Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. Fees may attract an additional VAT charge.
Where we move on to implement the financial plan by arranging, for instance, a life policy or pension plan, we may be paid commissionby the provider, usually an insurance company or an investment house for the successful placing of business.We will always tell you about any commission we earn, and it will be taken into account in working out our fee.
For mortgage advice you can choose how we are paid: you can either pay us a fee, usually of £250, or we can accept commission from the lender.
For further details of our charges, please see the document entitled "Key facts about the cost of our services" in our Documents for Download page