It is important to us that we convey the fact that all our initial meetings are carried out at our expense. Irrespective of the method of remuneration chosen after this initial meeting we have decided to operate on this basis so that we can both determine if we are right for one another without any obligation to you.

The traditional method by which clients have paid for their financial products has been through commission. This is when the adviser is paid by the provider of the product purchased. This method has worked for several hundred years and ensured that many people are able to take out financial products that benefit them.

It is still available and we operate a full disclosure policy regarding commission based work.

The UK’s financial services industry is changing and by the end of 2012 commission will no longer be an option for you to pay for your advice on pension and investment products. We have developed a Fee Based service as an alternative option for our clients. This is offered on a Fixed Fee basis and is costed on the work required.

It is difficult to provide an estimate of the level of fee that would be charged without knowing what work needs to be undertaken, which is why we conduct all our initial meetings at our expense. We will happily provide you with a proposal after we have had chance to meet you, listen to your needs and appraise your present situation.