How we are Paid
At our preliminary meeting we'll discuss how we are to be paid for our services. You will not incur any charges until we have reached agreement on this. We could be paid by any combination of the following:
- On investment products - A direct hourly-based fee depending on the complexity of the case and the time spent
- If you prefer, we can take portfolio-based fees expressed as a lump sum or an agreed percentage of the investment to be managed. These will cover the initial work and the continuing management and can be deducted from your investment and paid to us by the provider
- On some non-investment insurance products we can still be paid a commission by the provider of the product, if you prefer. The cost of commission is included within the provider's product charges, so there is nothing you need to pay us at the time, but the cost will be borne by you via your products. The amount of commission is based on a percentage of the premiums payable or sums invested. We will always agree the amounts with you in advance.
How we take our remuneration will always be a matter of open discussion and agreement between us throughout our relationship. We will inform you if VAT applies to our fees.
Our full client agreements and details of our fee structures is published on our Legal Information page.
The Financial Conduct Authority does not regulate certain types of mortgages and loans
Think carefully before incurring other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.