Tiered Based Initial Charges

Our charges relating to new work e.g. client take-on, new investments and one-off reviews are on a tiered basis as follows;

Initial charges

For the following specific services we charge on a fixed price basis as follows;

Menu of Initial

Our charges are payable on completion of our work and must be settled within 28 business days. Payment can be made either by:

1.    Cheque or Bank Transfer (we do not accept payments by card or cash).

2.     You may pay our charges via deductions from the financial product(s) that you might invest in, where the product/platform provider allows this. Please note that if you choose to pay by deduction from a financial product this will reduce the amount left for investment and may, depending on your circumstances, have other consequences. Although you may pay nothing to us up front that does not mean that our service is free. You still pay us indirectly through deductions from the amount you pay into your product.

3.     If your investments are held on a platform (a platform is an online investment administration service) you may choose to pay our charges out of the funds held within the platform cash account (where the platform provider offers this facility).

If you select option 2 or 3 we will discuss how it works and the implications of using this payment method with you prior to putting it in place.

Paying for our services with a regular payment (e.g. in a pension)

Where you invest in a regular contribution contract (where contributions are made on a monthly, quarterly or annual basis), you can choose to have our charge deducted from the product in instalments (where the product / platform provider is able to offer this facility). Our normal approach will be for the payment to be divided into 4 payments over a maximum of 12 months. Exact details will be confirmed in writing with you (Example 5).

Where you are paying our charge by instalments, if the regular contributions to your plan are cancelled before the charge has been paid in full we reserve the right to request full payment of any outstanding balance of the charges for our services.

Please click here to view examples of our fees.