How we work and How we are paid

We strive to offer the best possible financial planning solutions to our clients.

Our firm has up to date research facilities, which will help us source the most competitive products including:

• pension products including Self Invested Personal Pensions (SIPP), Small Self administered Schemes (SSAS), Stakeholder and Executive Pension Plans (EPP)
• Protection products, such as life assurance and permanent health policies (PHI)
• Savings and investments, based on performance, charges, strategy and risk ratings

Our firm is prepared to offer advice in either of two ways, or in some circumstances a combination of both. A menu of both options is available on request or will be explained at our first meeting.

Paying by Fee

Whether you buy a product or not, you will pay us a fee for our advice and services. If we also receive commission from the product provider when you buy a product, we will pass on the full value of that commission to you in one or more ways. For example, we could reduce our fee; or reduce your product charges; or increase your investment amount; or refund the commission to you.

Paying by Commission (or Product Charges)

If you buy a financial product, we will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider's own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an advisor, or they could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.