Advised Services. For non-advised services, if commission is available to us, you can choose to pay us by allowing us to keep the commission, or by paying us an adviser charge instead. If you choose to pay via commission, we will tell you how much the commission is before the transaction is completed. If you choose to pay by adviser charge, we will issue you with a financial planning report which will contain details of how much you will be charged and how payment is to be made. We will confirm to you in writing the basis of our service and the reasons for recommending any transactions transmitted or executed on your behalf. Where you agree to an ongoing service, we will provide regular reports to you regarding that service. (See the ‘Periodic Reporting’ section above.) We will agree and confirm the frequency and timing of those reports based on your needs. The extent of any ongoing review will be determined by your needs. We will also make arrangements for all your investments to be registered in your name unless you first instruct us otherwise in writing. We will forward to you all documents showing ownership of your investments as soon as practicable after we receive them; where several documents relating to a series of transactions is involved, we will normally hold each document until the series is complete and then forward them to you. We do not safeguard or administer client assets, but we may arrange business through an online service commonly known as a ‘platform’, which will provide custody services for your assets. Where this is the case, the legal title of investments will be registered in the name of the third party’s nominee. Transactions will be transmitted to the platform provider, or similar third-party investment institution, for them to execute. Money or transferred assets will be placed immediately with that third party for investment – we will never hold the assets directly for you. We will provide you with the relevant account opening details for the identified third party together with additional documents such as their Terms & Conditions, Nominee and Safe Custody Service, Best Execution Policy, Execution Venues and Conflicts of Interest Policy (or equivalent documents). The legal title of investments will be in the name of the third party’s nominee. For non-platform business we will make arrangements for your investments to be registered in your name unless you first instruct us otherwise in writing.
Advised Services. For our advised services, you will pay us via an adviser charge or fee. The actual amount will depend on the service(s) provided to you and the amount will be agreed with you before we carry out any work that we will charge you for. Our Service and Payment Agreement that we will issue to you, will contain details of how much you will be charged and how payment is to be made. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. You may at any time cancel an Ongoing Service by serving your notification of cancellation to us in writing. Upon receipt of your cancellation notice for an Ongoing Advice Service we will arrange for any future payment of any associated charges to cease. Our typical adviser charges are noted below. The exact amount may be more or less than this but will be specifically agreed with you based on the work you ask us to do for you. Please note hat as the investment amount increases, your ongoing charge may also increase. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. Before we provide any services to you, we will gather information about your circumstances and needs. We will make a charge of £750 for this initial consultation. We will tell you if you have to pay VAT.
Advised Services. For our advised services, you will pay us via an adviser charge or fee. Our initial advice will be appropriate for you, based on your requirements and circumstances at that time. We will not ensure that any initial advice remains suitable for you at a later date, unless you select to receive ongoing services from us. In addition to our initial advice services, you could ask us to undertake further services on an ongoing basis. Details of any ongoing services that we offer are detailed later within this document. Our typical adviser charges are noted below. The exact amount may be more or less than this, but will be specifically agreed with you based on the work you ask us to do for you. We will confirm the actual adviser charges in writing within our separate ‘Services & Payment Agreement’, before providing our services to you. If we do not agree a fixed adviser charge with you at outset, you may ask us for an estimate of how much in total we might charge for any service(s) provided. You may also ask us not to exceed a given amount without checking with you first. You will pay for our services on the basis of a fee / adviser charge / commission /or a combination. We will discuss your payment options with you and answer any questions you have. We will not charge you until we have agreed with you how we are to be paid. We will tell you if you have to pay VAT.
Advised Services. Where you retain our services to handle a specific transaction on your behalf, but without the requirement for advice, we will charge you a fee for such a service based on our hourly rates, which will be disclosed in our Fee Agreement. Your signature of that Agreement is our authorisation to proceed with that transaction. The charge for our services is partly related to the expertise of the adviser, and partly to the nature of the service that you require from us. We will in any case tailor our service (and charge) to the needs and circumstances of each client. The following table provides a summary of the main options: A Initial Financial Planning service, to include holistic review of your financial situation, protection needs, savings & investments and pension review, cash flow planning and any necessary transfer or product recommendations, including pension consolidation, new investments or transfers. Hourly rates, with estimate provided after Discovery meeting before we start work: Administrator £50ph Paraplanner £100ph B Advice only, restricted to a certain area, eg Pensions, Investments, IHT planning, Cash Flow planning. Adviser £175ph
