We are acutely aware that you can choose to seek financial advice from any number of different sources and consequently we have set out to provide a premium service with real value for money. Such is the scale and ‘buying power’ of our organisation; we can often help you to access lower charging structures, which others simply cannot match.

However, as you will appreciate, whilst cost is an important factor, it is the end result that matters and our objective is quite simply to exceed your expectations.

There are a number of ways you can pay for advice – commission, fees, or a combination of both;

Commission
Each time you purchase a policy or product through us, we receive a proportion of the premiums or contributions, known as commission, direct from the insurer or investment company or product provider as part of its overall charges. You will receive an explanation of costs and benefits, along with any relevant illustrations, which will show the amount of commission we will be paid. This is discussed with you before you apply for the product.

Fees
Instead of paying commission you may prefer to pay us a fee, normally based on an hourly rate. We will agree the cost of our fees with you prior to commencing work, so that you know up front exactly what you'll need to pay. In some situations, paying fees can help to improve the terms of the policies we recommend, or we may agree that a combination of fee and commission is the best option.

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