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Fee

A project fee or hourly rate is agreed and any work undertaken will be invoiced to you.

Any commission earned will be either rebated back to you directly or used to enhance your policy terms.

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Commission

If you buy a financial product through us the provider will pay us a commission for introducing you as a client. The commission earned by us can be used as payment for our services.

However, if we don’t feel that you need any additional financial products we will need to charge you a fee to cover the cost of our advice. We will not sell you a financial product just so that we can take commission!

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A Combination of Fees & Commission

If we agree a fee with you and you buy a financial product through us we can offset the fee due against any commission earned.

2

Fact Finding Meeting

When giving financial advice we consider all aspects of your current financial situation, your future aims and the policies that you already have in place. So the next part of the process is to gather all this information together. We call this the Fact Finding meeting and you should allow two hours for this appointment.

3

Presentation of Advice

Having gathered all the relevant information from you we will then conduct a review of your current policies and make any recommendations necessary to help you achieve your goals.

Of course not everyone has a defined idea of what they want to achieve and part of the process is to determine what your current provision provides and identify any gaps.

We recommend arranging a follow-up meeting so that we can present our advice to you and discuss the various aspects of your situation that may need addressing. Where necessary we will also make recommendations to other professionals, for example, a solicitor to write wills or a stockbroker if you want to invest directly in shares.

4

Ongoing Advice or One-Off Advice

Following our advice we can help you to follow the financial plan that we have agreed together by buying financial products for you and monitoring them on an ongoing basis or we can leave you to manage your plan until you need further advice.

We offer a range of servicing options which means that we will regularly review your plans to ensure that they remain ‘on-track’, we will review premiums where applicable to ensure you have a cost effective solution and we will advise you if we feel that your plans should be amended, for example, in view of the latest regulatory changes.

Again, payment for our services can be by fee, commission or a combination of both.