On receiving an enquiry we invite a prospective client to come to our offices for a preliminary meeting. The purpose of the meeting is firstly to establish whether we are able to assist with the prospective clients needs and objectives and secondly to discuss how we would be paid for our services should we be instructed to proceed. There is no charge for this preliminary meeting and no obligation on either side.

After the initial free consultation, we will agree with you whether you pay us a fee, or we are paid out of the cost of any financial product you buy (commission). We will always tell you about any commission we earn, and it will be taken into account in working out our fee.

Commission is paid to an IFA firm by a provider, usually an insurance company, investment house or mortgage lender for the successful placing of business.  The commission is included within the providers normal product charges, so there is nothing you need to pay us in addition.  The amount of commission is based on a percentage of the premiums payable or sums invested or amount of mortgage.

If you would prefer to pay for our services by a fee, the amount of any fee would be agreed with you in writing before we carry out any chargeable work and would depend on the type and complexity of any work carried out.  An indication of the amount of our fees is included in the Key Facts about the cost of our services documents for investments business, or in the Key Facts about our services for mortgages and insurance business.

Please refer to our Legal Information page.