We hold meetings in a mutually convenient location; typically at either one of our offices or yours. We have access to professional offices all over the UK so, rest assured, we can discuss your circumstances in a private and appropriate setting.
No. We are happy to offer the first meeting at our expense to establish whether we can add sufficient value to your situation and whether we think we would be a good fit. Thereafter, our fees are straightforward and transparent. You have the choice at each stage of the discussion whether you wish to take the next step with us. There is no commitment to progress to the next stage unless you wish to do so.
You will always know our fees before you make a decision to proceed. We do not hide our costs and we have a transparent charging structure, so you can be sure we are working efficiently for your benefit.
Our fees are based wholly upon the provision of our qualified and professional expertise, the time taken to analyse your circumstances and devise an appropriate strategy going forward, the design of an appropriate summary report to communicate this strategy to you, and also takes into account our firm’s exposure to regulatory, commercial and financial risk.
There are broadly three types of charge we make for the provision of initial advice and ongoing advice services:
To ensure that you are fully aware of the cost of our services and how and when you will be asked to pay, we will always confirm this verbally and in writing.
Fees for our services are usually not subject to VAT. If VAT were to apply, we will tell you before we carry out any chargeable work and confirm the amount in writing.
Our ongoing fees include:
Yes, we are regulated by the Financial Conduct Authority. You can find our entry on their register here.
We could only receive commission from certain types of insurance policies. We will make you aware of this, should we arrange this type of policy for you.
No. At the moment, we are not VAT registered as most of our services are VAT exempt. If this changes, we will let you know.
There is no obligation to sign up to any of our services at the initial meeting. Both parties need time to decide whether or not a working relationship is the right fit.
No, you are not. You can leave at any time (although we hope you won’t want to). Financial Planning is an ongoing service that is built around you and changes as you change throughout the course of your life. We really hope we can demonstrate the ongoing value of having this service so that you will not want to leave.
Whilst we do not have a set minimum portfolio size, we believe that our services are particularly effective for families, individuals or businesses who fit into ANY of these categories:
Or those who are likely to attain such a level within a reasonable time.
The reason why we have these categories is that financial planning for people or businesses in these circumstances becomes more challenging and complex, and as such, it’s where we can add the most value with our services and expertise.
We may not be the right fit for you if: