Guidance. Reassurance. Inspiration.
Dotting the i's
This website is for general guidance only and represents our understanding of law and Inland Revenue practice at the time of writing. We cannot assume legal liability for any errors or omissions it might contain.
- Levels and bases of, and reliefs from, taxation are those currently applying but are subject to change and their value depends on the individual circumstances of the investor.
- Mulberry Chartered Financial Planners is a trading name of Mulberry Independent Financial Advisers Limited and is authorised and regulated by The Financial Conduct Authority. Mulberry Independent Financial Advisers Limited is entered on the FSA register under reference 459871.
- The advice and/or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at customers based in the UK.
- The value of land and buildings is generally a matter of a valuer’s opinion rather than fact. The value of investments can go down as well as up and you may not get back the full amount you invested. The past is not necessarily a guide to future performance and past performance may not necessarily be repeated. If you withdraw from an investment in the early years, you may not get the full amount you invested.
- Changes in the rates of exchange may have an adverse effect on the value or price of an investment in sterling terms if it is denominated in a foreign currency.
- YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
- Loans are subject to status and written details are available on request.
- The Financial Conduct Authority (FCA) does not necessarily regulate some forms of investments and insurance contracts, loans, mortgage lending and advice, some forms of taxation advice, inheritance tax planning, employee share schemes and trust advice.
Charges
Not all firms charge for advice in the same way. Some or all of the following payment terms may be available.
We will discuss your payment options with you and answer any questions you have. We will not charge you anything until you have specifically agreed how we are to be paid and the amount payable.
Paying by Adviser Charge/Fee
With this payment option whether you buy a product or not, you will pay us a fee for our advice and services. If we also receive commission from the product provider when you buy a product, we will pass on the full value of that commission to you in one or more ways. For example, we could reduce our fee; or reduce your product charges; or increase your investment amount; or refund the commission to you.
Paying by commission (or product charges)
With this payment option if you buy a financial product and decide to pay us by commission, we will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider’s own costs and any commission. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower. We will tell you how much the commission will be prior to proceeding with the product.
Paying by a combination of Commission and Adviser Charge/Fee
With this payment option we may charge a fee on top of any commission we might receive. The commission available and the fee chargeable will be disclosed to you and agreed with you prior to proceeding with any product.
A detailed list of our fee and charges is available upon request and is always discussed and agreed with you prior to any business being conducted.