Aggregated Costs and Charges. Before we provide you with our advice, we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information. Services Agreed Service Tick to confirm Details of agreed fee* Initial Service Transactional Service Other – specify details of work If Variant to standard fee, please provide details Note to adviser: In all circumstances, if varied from the standard agreement please detail. Advice relating to protection planning Pay by commission Y / N £ Total agreed fee to be paid directly by you (if applicable) £ Ongoing services Tick to confirm Details of agreed fee * Premier Premier Plus * Please note that as the actual valuation of your investment is not known at this time, the monetary fee cannot be stated within this agreement. Your Adviser will disclose this figure at the point of recommendation. Declaration • I/We acknowledge that the client agreement will come into effect once it has been signed by all parties and will remain in force until terminated. • I/We understand the services that First Service Financial Ltd offer. • This agreement is governed by and shall be interpreted in accordance with English law and both parties shall submit to the exclusive jurisdiction of the English Courts. Client 1 Client 2 Client name(s): Client signature(s): Date: Signed on behalf of First Service Financial Limited Adviser name Adviser signature: Date: Useful Information About Our Services Who authorises us to advise you? • We are authorised and regulated by the Financial Conduct Authority (FCA), 00 Xxxxxxxxx Xxxxxx, Xxxxxx, X00 0XX. xxx.xxx.xxx.xx. Our firm reference number is 479175. Our permitted business is advising on and arranging pensions, savings and investment products, non-investment insurance contracts and mortgages. • You can check our details on the Financial Services Register by visiting the FCA’s website xxx.xxx.xxx.xx/xxxxx/xxxxxxxxx-xxxxxxxx-xxxxxxxx or by contacting the FCA on 0800 111 6768. • Unless we tell you otherwise, we’ll treat you as a retail client for investment business. This means that you are given the highest level of protection available under the UK’s regulatory system. • What if things go wrong? If you are unhappy with our advice or any aspect of our services, we encourage you to contact us as soon as possible. We’ll do our best to resolve your concerns. Telephone: 00000 000000 Email: xxxxxx@xx...
Aggregated Costs and Charges. If you enter into a transaction where third parties are involved, they will charge for their services. Typically, there will be 3 or 4 parties involved. By way of example, if we placed a £250,000 investment for you the annual charges might look like this: Third Party Percentage Value Platform 0.3% £750.00 Product May vary Fund 0.75% £1,875.00 TOTAL 1.05% £2,625.00 To this you will need to add our ongoing charges, which are set out earlier. We haven’t added them here, because of the flexibility you have in how you pay us. At this point, this is just an example. We have no idea of the actual costs. We will confirm the actual aggregated costs and charges based on our recommendations in our Engagement Letter or Suitability Report, just as soon as we know the figures, but before you sign any commitment documents. MATERIAL INTEREST We will act honestly, fairly and professionally known as conducting business in accordance with ‘Clients best interest’ regulations. Occasionally situations may arise where we or one of our other clients have some form of interest in business transacted for you. If this happens or we become aware that our interests or those of one of our other clients conflict with your interest, we will write to you and obtain your consent before we carry out your instructions, and detail the steps we will take to ensure fair treatment. In accordance with the rules of our regulator, The Financial Conduct Authority, we are prohibited from accepting any payment (commission or other non-monetary benefits) which is likely to conflict with the duty of the firm to its clients. RIGHT TO CANCEL We will inform you of your statutory right to cancel. The Distance Marketing Directive normally grants you 30 days in which you may cancel a life or pension contract. However, there will be occasions where no statutory rights are granted, however this will be explained before any contract is concluded. Additionally,
Aggregated Costs and Charges. Before we provide you with our advice we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information. Appendix B - Privacy Notice KMG Independent Limited has issued this privacy notice to you to explain how we use any personal information we collect about you. What information do we collect about you? We collect information about you when you engage us for any kind of financial planning advice. This information will relate to your personal and financial circumstances. It may also include special categories of personal data such as data about your health, if this is necessary for the provision of our services. We may also collect information when you voluntarily complete client surveys or provide feedback to us. Information relating to usage of our website is collected using cookies. These are text files placed on your computer to collect standard internet log information and visitor behaviour information. We may use your information collected from the website to personalise your repeat visits to the site. Information about connected individuals We may need to gather personal information about your close family members, dependants etc in order to provide our service to you effectively. In such cases it will be your responsibility to ensure that you have the consent of the people concerned to pass their information on to us. We’ll provide a copy of this privacy notice for them or, where appropriate, ask you to pass the privacy information to them. Why do we need to collect and use your personal data? The primary legal basis that we intend to use for the processing of your data is for the performance of our contract with you. The information that we collect about you is essential for us to be able to carry out the services that you require from us effectively. Without collecting your personal data we’d also be unable to fulfil our legal and regulatory obligations. Where special category data is required we will obtain your explicit consent in order to collect and process this information. How will we use the information about you? We collect information about you in order to provide you with the services for which you engage us. Who might we share your information with? We will not share your information for marketing purposes with companies outside our group of companies (KMG Investment Management Limited is within...
Aggregated Costs and Charges. Before we provide you with our advice, we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information. Services Agreed Service Tick to confirm Details of agreed fee* Initial Service Transactional Service Other – specify details of work If Variant to standard fee, please provide details Note to adviser: In all circumstances, include the total amount payable by your client, including how this has been arrived at (and regular payment amount if appropriate). Confirm when and how fees will be taken. Advice relating to protection planning Pay by commission Y / N £ Total agreed fee to be paid directly by you (if applicable) £ Ongoing services Tick to confirm Details of agreed fee * Any payments subject to VAT will be shown below Premier Premier Plus
Aggregated Costs and Charges. Before we provide you with our advice we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information.
Aggregated Costs and Charges. Before we provide you with our advice, we will add together all the costs and charges payable so that you are able to understand the overall costs of our services and recommendations. This is referred to as aggregated costs and charges information. Services Agreed Service Tick to confirm Details of agreed fee* Initial Service Transactional Service Other − specify details of work If Variant to standard fee, please provide details Note to adviser: In all circumstances, if varied from the standard agreement please detail. Advice relating to protection planning Pay by commission Y / N £ Total agreed fee to be paid directly by you (if applicable) £ Ongoing services Tick to confirm Details of agreed fee * Premier Premier Plus * Please note that as the actual valuation of your investment is not known at this time, the monetary fee cannot be stated within this agreement. Your Adviser will disclose this figure at the point of recommendation. Declaration • I/We acknowledge that the client agreement will come into effect once it has been signed by all parties and will remain in force until terminated. • I/We understand the services that First Service Financial Ltd offer. • This agreement is governed by and shall be interpreted in accordance with English law and both parties shall submit to the exclusive jurisdiction of the English Courts.
