How do we get paid for our services?

The Commission Myth!

Most high street financial advisers prefer operating on a commission basis for a reason - they tend to get paid more this way.

Paying a commission instead of a fee at first might seem attractive; however this does not mean an adviser's service is free. You instead pay your adviser indirectly through EXTRA product charges which pays for the commission. These charges reduce the amount left for investment.

Moreover that traditional model of commission based compensation creates a conflict of interest and exposes clients to potential adviser abuse.

Why we are fee based!

In our experience once the concept of fees is explained properly, clients much prefer this method.

Being fee-based means we give truly objective advice. We have no financial conflict of interest in selling products, increasing investment transactions or modifying portfolios. We have strong incentives to minimise your costs and maximise your account value, since our fees can grow only if the size of your account grows. Our pricing structure is based around the value we deliver, not the time we spend on providing services.

We only use investment funds, custodians and financial products which are commission free, and always negotiate with product providers to reduce costs where possible. This leaves money with you, not with the fund manager. We don't charge for trading or rebalancing. All fees, expenses and transaction charges are fully disclosed and clearly accounted for.

Our fee includes personal cash flow forecast, consolidation, unlimited meetings, liaison with professional advisors and a lifetime relationship - all for less than the cost of an average UK unit trust fund.

Our fees are described in full within our Client Agreement which you will receive at our first meeting.