How We Work
As Independent Financial Advisers we are free to advise on financial products available from all product providers. We use innovative computer software to research, compare and select the most suitable arrangements currently available, enabling us to maximise the benefits to our clients.
You’ll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you’ll need to set aside some time to talk to us – the first one-hour consultation is free. There’s no charge, and no obligation, while we find out together if it’s worth going ahead.
Depending on your instructions we will carry out a needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews.
You will receive professional advice about where your financial arrangements are already good, and where they’re inadequate (or not covered at all).
You’ll also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course it will all be sensibly balanced in relation to your current income and your prospects
In almost all cases we are able to make arrangements which clients would be unable to make for themselves. All our proposals will be fully explained and costed so that you’ll know exactly what and why before you agree to anything.
How we are paid
On receiving an enquiry, we will arrange an initial meeting which can be at our offices, your home or your place of work. The purposes of the initial meeting are to establish whether we are able to assist with your needs and objectives and to discuss the fees for our services should we be instructed to proceed. There is no charge for this initial meeting and no obligation on either side.
After the initial consultation, we will agree with you how we will be paid for the services you instruct us to provide, both in terms of the amount and the timing of the payment, which could be upfront, when you invest, over time to provide a service to you, or a combination of these.
Fees will usually be calculated and based on time spent doing the work, the complexity of the work and the experience and qualifications of the adviser involved. Fees may be subject to VAT at the prevailing rate, depending upon the type of work undertaken.
The fees we charge will be a matter for discussion and agreement and no charges will be made without prior notification in writing.