Fees and Charges

The initial advice fees set out below cover:

• Our fact-finding meetings.
• Research and analysis of your current arrangements.
• Comparison of providers, products, and costs.
• A written recommendation report.
• Setting up and implementing your chosen plan.

Free and without obligation.

Our charge for this service is a fixed fee of £500 payable on provision of the report containing our recommendations to you. 

This fee will be waived wholly or in part should you decide to implement any of our recommendations.

Our charge for this service is based on a percentage of the amount you invest and/or transfer. These charges are applied as follows: 

• For the first £50,000 – 3% 
• For the next £50,001 to £100,000 – 2% 
• For any amount above £100,000 – 1% 

This payment can either be taken from your investment upon receipt by the policy provider or paid directly by you. 

Our charge for implementing a regular contribution savings or investment plan is our review and recommendation fee of £500, this is payable on commencement of the policy.

This payment can either be taken from your investment upon receipt by the policy provider or paid directly by you.

We charge a percentage fee of 1% of the annuity purchase amount to arrange an annuity, capped at £2,000. This fee  involves all financial advice and administration involved with the arrangement of the annuity from the beginning of  the agreement until the plan(s) are transferred and the annuity is in force. 

This payment can either be taken from your investment upon receipt by the policy provider or paid directly by you.

If you buy a protection product you may elect that we are remunerated by commission. 

The commission is paid directly by the provider. Although you pay nothing up front that does not mean our service is free - the insurance provider factors the commission paid into their own charges, which in turn are factored into the regular premiums you will pay for the insurance.