As Independent Financial advisers we can be remunerated by way of fees from yourselves, commission by product providers or a combination of the two.

Our rates are set out in the Key Facts document, which you will be given at our first meeting.

We will explain the work involved in the giving of advice so that you are fully aware of what the costs might be if you choose the fee route.

We will also show you why it is essential that any recommendations made are constantly reviewed to ensure:-

• Recommendations made continue to meet the criteria set at outset
• Recommendations made still meet your short and long term objectives
• Your portfolio takes into account any legislative changes or improvements by product innovations.
• Your portfolio remains competitive
• Any changes in your personal circumstance are taken in to account