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.
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.
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.
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.
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.