We offer products from the whole market.

We only offer products from a limited number of companies.

We only offer products from a single company  

We offer products from a range of insurers for all types of Term Assurance, Permanent Health Insurance, Accident, Sickness, and Redundancy Insurance and Private Medical Insurance

We can only offer products from a limited number of insurers

We only offer products from a single insurer 

We offer mortgages from the whole market

We only offer mortgages from a limited number of lenders

We only offer mortgages from a single lender

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on.  You will then need to make your own choice about how to proceed.

• Conduct a full assessment of your needs;
• Offer advice on whether a non-stakeholder product may be more suitable 

We will advise and make a recommendation for you after we have assessed your needs for all types of Term Assurance, Permanent Health Insurance, Accident, Sickness and Redundancy Insurance and Private Medical Insurance.

You will not receive advice or a recommendation from us.  We may ask some questions to narrow down the selection of products that we will provide details on.  You will then need to make your own choice about how to proceed.

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us.  We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed. 

Paying by fee. Whether you buy a product or not, on completion of our work, you will pay us a fee for our advice and services. If we also receive commission from the product provider when you buy a product, we will pass on the full value of that commission to you in one or more ways. For example, we could reduce our fee; or reduce your product charges; or increase your investment amount; or refund the commission to you.

We will confirm the rate we will charge in writing before beginning work and we will tell you if you have to pay VAT.  You may ask us for an estimate of how much in total we might charge.  You may also ask us not to exceed a given amount without checking with you first.

Our typical charges are:    

Financial Advice     £140-180 per hour dependant on the complexity of the work involved

Paying by commission (through product charges).  If you buy a financial product we will normally receive commission on the sale from the product provider.  Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider’s own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, of they could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.  The amount of commission we receive will vary depending on the amount you invest and (sometimes) how long you invest, or your age.

For example:

• If you invest £10,000 in an investment bond we could receive commission of up to 4.5% of the amount invested (£450.00) and 0.5% of the value of the fund (approximately £50 every year).

• If you pay £100.00 per month into a personal pension (with a term of 25 years) then we could receive commission of up to £640.80

• If you pay £100 per month towards a whole of life policy then we could receive up to £1,620

Paying by a combination of fee and commission (through product charges).  
In some circumstances, we may charge you a combination of fees and commission.  The fee will not exceed the rates shown in this document.  We will agree the rate we will charge before beginning work and we will tell you if you have to pay VAT.  The fee will become payable on completion of our work.  You may ask us for an estimate of how much in total we might charge. You may also ask us not to exceed a given amount without checking with you first.  We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier. 

Where we charge a combination of fees and commission, our maximum rates are set out in the fee information and the commission sections above. In addition to the above we may charge a fee on a different basis for a specific transaction or project but we will agree this with you in advance.  

A fee may be charged in relation to all types of Term Assurance, Permanent Health Insurance, Accident, Sickness and Redundancy Insurance and Private Medical Insurance if insufficient commission is payable.  Where we propose to charge a fee we will notify you in writing before we carry out any chargeable work, explaining how much it will be.

No fee.