Our costs

We offer a number of different ways in which we can be remunerated for our advice, commission, fees, or a combination of both.
The way that we get paid will be discussed and agreed with you at our initial meeting and outlined in our Client Agreement and Keyfacts documents. However, the first consultation is always free.

Paying by fee - If you choose this option, 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- If you choose this option and 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. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.