An initial discussion (the first 30 minutes which is it at our expense) will enable us to both determine what your financial needs are and whether you require financial advice to meet these needs. Should you decide to engage our services, only at this time will fees be incurred. We offer a variety of methods by which we can be remunerated so that you can select the method that best suits your needs. We will discuss your payment options with you and answer any questions you have.
We will not charge you until we have agreed with you how we are to be paid.
All charges/fees will be fully disclosed to you. These will be disclosed in summary form before we undertake any work for you. The precise charges relating to any work or recommendations we make will be confirmed in your suitability report or relevant product disclosure information that is provided to you.
The charges/fees will generally be VAT exempt unless the work we provide for you only involves advice and/or preparing a report, in which case VAT will be applicable. This is subject to the ‘gateway test’ being passed. In either circumstance we will advise you before we undertake any work for you. The initial and on-going services form part of the same package.
Bechmarking our fees
Please refer to the Data Bulletin prepared by the Financial Conduct Authority in October 2016 for more information on typical fees for financial advice.