Charges The first hour of the initial consultation is free of charge which enables clients to assess whether they wish to establish a business relationship with us and it enables the adviser to obtain sufficient facts to determine whether we can provide worthwhile suitable advice. After that our services have to be paid for and this can be done in different ways: (a) Traditionally Independent Financial Advisers have been remunerated by the product provider in the form of commission and in appropriate cases this is still the better way to proceed (bi) Instead of being paid by commission certain clients prefer to pay fees. We therefore offer a totally fee based service. This means clients are invoiced for all time spent on their affairs and where commission paying products are used the commission is rebated to the client in the form of enhanced investment (bii) We reserve the right to operate on a fee basis because where this is the only economic way to work and so that we are free to recommend products which do not pay commission or to give advice which does not involve the purchase of an investment, pension or life assurance products. Our advice is totally impartial and designed to meet individual client needs. (c) Both methods (a) and (b) can be combined in certain cases. Where for example we know at outset that limited commissions will be involved we can operate on a fee basis but instead of rebating this to the client it can be paid to us and we will give credit for this against the fees. The method of payment will be clearly agreed at the time of our engagement. Our ongoing investment advisory service is charged as a fixed percentage of the portfolio valuation and further details can be found in our Client Agreement.

This Company is Authorised & Regulated by the Financial Services Authority