How do you charge for financial advice?
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We agree your fees with you in writing before starting any chargeable work, so you know what you will pay and when. Our fees page explains how initial…
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Do you offer a free initial consultation?
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Your initial meeting is held at our expense, so you will not have to pay for it. It gives us the opportunity to get to know each other…
Can you advise on protection such as life insurance, critical illness cover and income replacement?
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Yes. We can advise on protection, including life insurance, critical illness cover and income replacement. We can consider what protection you need alongside the rest of your financial…
Can you advise on investments such as Individual Savings Accounts (ISAs)?
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Yes. We provide investment advice, including advice on Individual Savings Accounts (ISAs). We can consider how these investments fit into your broader financial plan.
Can you help with Inheritance Tax planning or estate planning?
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Yes. We can help with Inheritance Tax and estate planning. We can consider these areas as part of your wider financial plans.
Do you offer advice on long-term care or later-life planning?
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No. However, we can help you access specialist advice in this area. Where specialist advice is required, we can introduce you to someone with the appropriate expertise.
Can you advise on final salary pension or defined benefit transfers?
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No. We do not provide advice on transfers from final salary pensions or other defined benefit schemes. This is not an area for which we provide advice.
Can you advise on self-invested personal pensions (SIPPs)?
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Yes. We can provide advice on self-invested personal pensions (SIPPs). We can consider an existing SIPP or whether one is appropriate as part of your wider pension planning.
Do you charge fixed fees or a percentage of my investments?
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We use both approaches, depending on the service you receive. As our fees page explains, initial advice is charged on a fixed-fee basis, while ongoing support may involve…
Do you get commission?
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Yes. We may receive commission in relation to protection policies, but only where this has been agreed with you in advance. We will explain the arrangement clearly before…