Financial Advisor Fees

We charge you for our time, financial advice, research and expertise just like any other professional service.

Financial advisers who offer 'free' advice will be earning a commission from selling you a product which renders the advice less than impartial. We believe that commission creates a conflict of interest for the financial adviser since the payment method is intended to encourage use of certain product providers over others. We agree our financial advisor fees with you in advance, so that you can be sure of the cost to you, regardless of how long the work takes.

Benefits of a fee based approach:

• Get advice, not sales
  You don't want to be sold to. You want to get the right advice for your circumstances, not your advisers.
• Cut out bias from your decisions
  A commission based financial adviser is incentivised to sell you a product, but if the best advice is not to take out a product their advice may be compromised by the prospect of losing commission.
• Get the best product for your needs
  Since we strip out the commission from product costs, you can be sure that there are no hidden charges.
• Clearly see how much we are paid for our work
  Many people feel uneasy when they do not know how much commission will be paid to arrange a product. We declare our position so everything is out in the open.
• Larger investments greatly benefit from this approach
  For those making larger investments we will take a smaller proportion of your investment than a commission-based adviser as our fee will be based on the work, not the size of the investment.
• Ongoing reviews

If you select an ongoing service our fee will pay for our time and advice to you.

Financial Planning and Investment Management

Our initial meeting  is free and without obligation on your part.  Once we have discussed your requirements, we will be in a position to advise you of our initial and ongoing fees.  If at this point you feel that you do not want to take the matter any further we will return any confidential information to you if required.

Fee structure:

We charge an annual fee for the services subject to a minimum charge based on your needs.  We ask you to pay the first year fee at the start of the process and then charge a monthly fee towards future reviews.  This comes with a guarantee that if you no longer feel that our service is of value to you, then you can cancel the ongoing charges at any point without penalty.

We offer flexibility in how you choose to pay us.  You may decide to pay from the products we manage, or by a monthly standing order or by a combination of the two.

Financial Advice

We agree the cost of the work to be done before you commit to our services. This fee is payable whether or not any products are purchased; we provide the advice and expertise, along with unbiased research.

Fee only

If you select this option, we will take no commission from the contracts recommended, and you will benefit from power product costs.

Commission offset

Alternatively you can ask us to accept commission from the product to offset our financial advisor fees. You will be liable for the balance of fees less offset commission.