Information about our Services and Costs

What type of service will we provide you?

Independent advice – We will advise and make a personal recommendation for you after we have assessed your needs.  Our recommendation will be based on a sufficient range of retail investment products, financial instruments and structured deposits.
A ‘sufficient range’ means that the products and services that we will advise on and recommend will be sufficiently diverse with regards to their type and issuers or product providers to ensure that our clients investment objectives can be suitably met.

What will you have to pay us for our investment services?
You will pay for our services on the basis of an adviser charge
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.
We will discuss with you the basis of our charges, based on the types(s) of work we are asked to undertake for you.
We will discuss with you when you will have to pay our charges, both initial and ongoing.
All charge amounts quoted are exclusive of VAT (and we do not charge VAT), expenses and disbursements; these will be added to the invoice if applicable.

Advised services
If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided.  You may also ask us not to exceed a given amount without checking with you first.

How can we help you?
We have the following three service propositions available to help meet your financial needs: -

Advised services
For our advised services, you will pay us via an adviser charge.
We will confirm the actual adviser charges in writing within our separate ‘Charge Agreement’, before providing our services to you.