We offer a range of service and remuneration options to meet clients’ different requirements. These will be discussed and agreed before we progress any work on your behalf, and confirmed in writing. In summary, the options are:

 

You will be responsible for our fees for advice and connected services, whether or not you undertake any transaction through us. Where products are arranged and we receive commission from the product provider, 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.

 

Our fee basis may be an hourly rate, fixed charge, a percentage of funds within a portfolio or any combination.

 

We will agree the rate to be charged before commencing work and inform you if you have to pay VAT.

 

 

If we agree to operate on this basis, we will receive commission from the product provider when you arrange a product through us. Although you do not pay us directly, that does not mean our service is free. You still pay us indirectly through product charges, which pay for the product provider’s own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower.

 

The amount of commission will vary according to the type of product, the amount you invest, and, sometimes, the term of the investment. We will confirm the actual amount to you before you complete an investment, but you may ask for this information earlier.

 

 

We may agree to provide some services on a fee basis and others on a commission basis.

 

In some circumstances, we also charge a fee on top of any commission we might receive. The actual amounts will depend on the service agreed.

Our discretionary investment service is provided exclusively on a fee basis
as detailed in our Investment Management Agreement.