How We Charge

We provide independent financial planning advice. Whatever financial decisions you need to make, we will be there to help you make the best decisions for your requirements. In order to do that we must establish a clear understanding of who you are, your financial needs, and the goals and objectives that you want to achieve. These are the first steps we take together.

We charge for our services through a fee structure based on a percentage of your investment, subject to a minimum fee.

Before any commitment, we take the time to fully understand your financial situation and goals. Once we have a clear picture, we provide independent recommendations tailored to help you achieve your objectives.

If you decide to proceed with our recommendations, your adviser will clearly explain the applicable fee structure and provide you with the exact fee amount based on the proposed solution. This ensures you have full transparency and confidence in the costs before moving forward.

If you choose to work with us on an ongoing basis our fee structure is based on a percentage of your investment value, and your adviser will clearly explain how this applies to you.

For clients who prefer not to engage in ongoing financial planning and only require assistance with implementing a financial product Your adviser will outline these costs before any commitment is made

For mortgage advice, fees vary according to individual circumstances, and we will agree our fees with you before we undertake any chargeable work. This fee is for advice, research, recommendation, implementation (e.g. application, administration of arranging the loan).

We do Not charge a fee for Life Assurance, Critical Illness, Income Protection, Accident Sickness & Unemployment, Home Insurance, and Private Medical Insurance. We will be paid by   commission from the provider/insurance company after the policy has been paced on risk. That has already been included in the premium.

✅ We’re rated EXCELLENT – don’t just take our word for it, see for yourself!