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We offer "utterly impartial financial advice" on:
- Savings & Investments such as ISAs, CTFs, Bonds, NS&I and Trusts
- Pensions such as Occupational and Group schemes, Personal, Stakeholder and SIPPS
- Retirement Income Options such as Annuities and the Open Market Option, Unsecured or Phased Drawdown
- Insurance such as Life, Critical Illness, Income Protection, Unemployment, Keyman and Corporate cover
- Mortgages such as First Time buyer, remortgages and Buy to Lets
- Equity Release such as Home Reversion and Lifetime mortgages
- Long Term Care funding
- Inheritance Tax planning
By taking impartial 'independent' financial advice you get more choice than you would by going to a single product provider. More choice generally means lower premiums and a contract that is tailored to suit your individual needs.
What do we charge?
Our remuneration is determined by your preferences and in line with the changes since the Retail Distribution Review (RDR) came in to force on 30th December 2012.
Whatever option you prefer, our first meeting is always at our own expense and at no obligation to you. We always explain at the first meeting how you can choose to pay us should you wish to engage ourselves as your IFA.
You can choose a range of payment methods for our 3-step process for new clients - Advice, Implementation and Ongoing Service fees.
As a guideline, we normally charge a minimum of £500 up to £1,250 for the Advice stage for our new clients.
Implementation costs are separately charged but start at £250 and are agreed with you before any action is taken.
Many our clients also want an ongoing service and can choose between our active ongoing 'Core' service (minimum fee £500pa) or our 'Passive' option where no ongoing charges are made.
This 'Passive' service can be appropriate for some 'transactional' clients who only require ad hoc advice and contact us just when they need it – for example when looking at their retirement options and seeking advice on considering annuities, income drawdown and third way products.
For clients seeking mortgage or insurance advice alone, commission can still arise to pay for our services and this is fully disclosed to you in advance of any application being made. We can however also be paid by fees not commission in these areas as well if that is your preference.
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