Our Pension & Investment Charges clearly explained

Our typical fee based charges are:

 Initial fee % 3% of the funds invested for any investment up to £250,000
(this is most suitable for clients with over £50,000 to invest)
 Then  1% of the funds invested in excess of £250,000  
 Example  If you invested £100,000 we would make an initial charge of £3,000 (based on 3%)
 Ongoing fee %  0.75% pa

Paying by commission (through product charges)

If you buy an applicable financial product (for example Life Assurance), we will normally receive commission on the sale from the product provider. Although you pay nothing to us 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 adviser, 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.

Paying by a combination of fee and commission

In some circumstances, we also charge a fee on top of any commission we might receive. For example where the commission payable does not reflect the amount of work carried out on behalf of a client.

Hourly Rate

We will confirm the rate we will charge in writing before beginning work. Our typical charges are:

Independent Financial Adviser £195.00 per hour

Administration £75.00 per hour

Payment for Ongoing Services

We have a range of ongoing services we can provide to ensure that your personal recommendation is reviewed frequently and remains relevant to your changing circumstances. The frequency of the charge will depend on the service you choose and is usually made by standing order on a periodic basis. Please ask your adviser for more details.

We will tell you if you have to pay VAT