How we are paid
Our business has evolved from the belief that high quality professional financial advice can only be delivered through a transparent, fee-paying relationship. We believe our services create immense value for our clients.
As a fee-based practice, we have no financial incentive to sell a product whenever we meet with you. Wherever possible we use investment funds and products that are commission free and which leave as much money with you as possible. Indeed, where commission is paid we regard this as yours and allow you to decide whether this is retained, used to enhance product terms, or used to offset fees.
Fees for Financial Planning
Our fees for financial planning are based on the time spent, or likely to be spent, in carrying out the work, the complexity of the work and our liabilities and regulatory obligations in respect of the work. Taking these factors into account we will either agree a fixed fee, or charge on an hourly basis. Either way the cost will be known or set within certain parameters at the outset.
Fees For Investment Services
Fees for investment services are calculated separately from any financial planning fees. Though, they would be applied in full to reduce or mitigate any related financial planning fees. Further explanation of this will be contained in your individual fee agreement.