INITIAL ADVICE & ARRANGEMENT FEE

Our first meeting is at no cost to you and without obligation. We will detail our fees and services at this meeting and you can decide whether you would like us to proceed with our research and advice.

Initial Advice & Arrangement Fee

This is the fee for our Advice, Research and the Implementation of the advice.

Our first meeting is at no cost to you and without obligation.

We will always confirm our Initial Advice & Arrangement Fee prior to proceeding with our research and advice, so you know the cost of advice and implementation before you commit.

The Initial Advice & Arrangement Fee below may be paid to us by deduction from the investment or pension, or directly by you (by cheque or bank transfer).

It is based on a percentage of the amount invested. Typically this will be:

3% for investment of £50,000 – £74,999

2.5% for investment of £75,000 – £99,999

2% for investment of £100,000 – £249,999

1.5% for investment of £250,000 – £499,999

1% for investment of £500,000+

For investments below £50,000 we reserve the right to charge more than 3% of the amount invested to cover the costs of our time spent providing our advice and conducting our research. We reserve the right to charge a minimum fee of £500 which will cover the cost of our time should you not proceed with our advice.

Further discounts are available for investment amounts over £1M. Full details of our fees are available on request.

An example of the Initial Advice & Arrangement Fee is an investment of £125,000 will attract a fee of £2,500. This can be paid to us directly from the investment/pension, meaning a net investment of £122,500, or can be paid to us directly.

In some instances (particularly when arranging financial protection policies) we may be paid commission by the company with whom we arrange the policy for you. In this instance the commission payment covers the cost of our advice in this area.


THE PAYMENT OF THE INITIAL ADVICE & ARRANGEMENT FEE WILL TYPICALLY PROVIDE YOU WITH THE FOLLOWING:-

Your Information Report (includes your current

financial situation, goals and objectives)

Attitude to Risk Assessment Report

Review of existing Portfolio

Taxation Review

Product Comparison Report

Pension Projection Comparisons (if applicable)

Portfolio Composition Report (Investment Research and Fund Research)

Discretionary Fund Manager Due Diligence (if applicable)

Asset Allocation of recommended Portfolio

Financial Planning Report outlining our recommendations and advice

Arrangement and implementation

Meetings required to ensure you are comfortable with recommendations


PROJECT FEE - FOR ADVICE ONLY

In some situations, for instance where advice only is required without the arrangement of an investment, pension or protection policy, we will charge an agreed fee which can be paid to us directly. This is typically based on our hourly advice fee of £150.

For example, if a Financial Adviser spent 7 hours providing the services the fee would be £1050.

We reserve the right to charge a minimum fee of £500 which will cover the cost of our time should you not proceed with our advice.

ONGOING SERVICE FEE

The vast majority of our clients require our ongoing expertise in order to ensure their investment and pension portfolios stay on track with their objectives.

In the main this service represents the ongoing monitoring and management of the investments within the portfolio, ongoing financial and taxation advice and changes to their portfolios.

If you require our ongoing expertise and services you can choose either our Gold, Silver or Bronze service.

These levels of service specifically provide the following:-

Ongoing Investment Management

Asset Allocation and Portfolio Risk Reviews

Portfolio Reports including policy valuations

Client Review meetings

Fund Switches/Investment amendments*

Regular Newsletters

Tax deadline notifications

These are charged under our Bronze service

The frequency and intensity of ongoing management and frequency of review meetings and of asset allocation and risk reviews is dependent on the level of service selected.

GOLD SERVICE – This is charged at 1 % per annum of our client’s portfolio which we are managing

SILVER SERVICE – This is charged at 0.75 % per annum of our client’s portfolio which we are managing

BRONZE SERVICE – This is charged at 0.50% per annum of our client’s portfolio which we are managing

This fee is typically deducted directly from your portfolio or paid to us as a retainer by Standing Order

The Gold Service is subject to a minimum fee of £750 per annum

The Silver Service is subject to a minimum fee of £525 per annum

The Bronze Service is subject to a minimum fee of £350 per annum

For further details on these services please click on attachments below.


GOLD service

SILVER service

BRONZE service