How our financial advisers are paid

On receiving your enquiry/referral, we invite you to come to our offices (or if this is not possible, we will visit you at your place of work or home) for a preliminary meeting.

Adviser Charging-First Meeting

The purpose of this meeting is firstly to establish whether we are able to assist with your needs and help you meet your objectives. We will also discuss how we will be paid for our counsel and services once you have instructed us to proceed. There is no charge for this preliminary meeting, and no obligation on either side. Please note that we do not automatically act for anyone who wants us to.

Adviser Charging-Our Fees

We can work on a fee basis, either at our standard hourly rate or for a fixed fee for an agreed plan of work. At all times, we will ensure that you are fully aware of any costs involved, before a commitment is made. Fees may attract an additional VAT charge, but do not presently.Our fees are typically collected via our clients' Wrap Accounts.

Our Ongoing Review fee is 1% p.a. with a reducing fee scale for larger portfolios invested or transferred to us.There may also be an upfront Strategy fee for each investment, depending upon what you want us to do for you (e.g.this fee is 0% for ISAs that you want to transfer).

Adviser Charging-Commission

Our fees are typically collected via our clients' Wrap Accounts, but where a non-Wrap investment house or insurance company is recommended, we may be paid commission by them, rebating any excess over and above our fees back to you. We will always tell you about any commission we earn, and it will be taken into account in working out our fee. Commission payments for new business will cease from 31st December 2012, as part of the Financial Services Authority's "Retail Distribution Review".