How We Are Paid

There are different options in how you want to pay for our services, and this can either by the method of commission, or by way of fees or even a combination of both.

At the initial meeting, all advisers must explain to you the level of service offered and how they will be paid, fees or commission. They will give you ‘Key Facts’ documents explaining these in detail. If a fee payment is an option (or the only choice) the adviser will base this as a flat rate fee, an hourly rate or as a percentage of the investments considered, or a combination of these.  The alternative is to be paid commission by the product provider. If an adviser charges a fee, many will offset commission against the fee or negotiate reduced charges so more of your money is invested. The adviser will give you a ‘menu’ of commissions, comparing the maximum payable to his/her firm to the average commissions paid throughout the industry. The adviser will explain these to you.

Each client relationship is bespoke, valued and tailored, and a full discussion and agreement will be sought.  We want to stress that our fees and charges, and how we will be remunerated are transparent, agreed and sustainable for a long term relationship.