Our Services, Fees and Terms & Conditions

We believe Financial Advisers should be transparent about their services, charges and terms and conditions. All our disclosure documents can be downloaded at the bottom of this page, via the gold buttons.

Key points about our services and charges

• Your initial phone / virtual consultation with us is free of charge

• Our modular structure has separate charges for Research, Advice, Implementation and Ongoing Service

• Our fees depend on the complexity and nature of the work involved and range as follows:

  • Research Fees: £50 - £150

  • Advice Fees: £150 - £3,000 (50% lower Advice Fees are offered for Phone or Virtual advice & you'll still receive a written Advice Report)

  • Implementation Fees:

  • Lump sums: £0 with Ongoing Service, or 0.75% for one-off Transactional Advice

  • Regular contributions: £0 with Ongoing Service, or 25% of Year 1 contributions for one-off Transactional Advice

  • Ongoing Service: 0.50% per annum (Phone/Virtual) or 0.75% per annum (In Person) of your invested assets.

  • Subscribers to our Ongoing Services also benefit from 25% Discounts on future Transactional Advice, such as Mortgage or Protection Advice. If you refer friends, family or colleagues to us, they will also benefit from this 25% discount.

• Our fees can be paid from your invested capital if a new financial product is arranged and in some cases can be paid over 12-months

• For Personal or Business Protection Advice, commission-free, fee based advice can significantly reduce premiums; we'll explain both options

• Client specific costs will be confirmed in your Advice Report containing our recommendations

• A 10% Discount Code is available for Amicable, for separating or divorcing clients. Please ask us for details and see their website link below

You can download our disclosure documents here

RISK WARNINGS

THIS WEBSITE IS FOR UK RESIDENTS ONLY.

THE TAX TREATMENT IS DEPENDENT ON INDIVIDUAL CIRCUMSTANCES AND MAY BE SUBJECT TO CHANGE IN THE FUTURE.

THE VALUE OF UNITS CAN FALL AS WELL AS RISE, AND YOU MAY NOT GET BACK ALL OF YOUR ORIGINAL INVESTMENT.

THERE MAY BE AN ELEMENT OF CURRENCY RISK WITHIN SOME OF THE PENSION AND INVESTMENT SOLUTIONS WE ADVISE.

A PENSION IS A LONG TERM INVESTMENT. THE FUND VALUE MAY FLUCTUATE AND CAN GO DOWN. YOUR EVENTUAL INCOME MAY DEPEND UPON THE SIZE OF THE FUND AT RETIREMENT, FUTURE INTEREST RATES AND TAX LEGISLATION.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE AND ANY OTHER DEBT SECURED ON IT.

FOR THE OVERALL COST FOR COMPARISON FOR ALL TYPES OF MORTGAGES (INCLUDING IMPAIRED CREDIT) PLEASE SEE THE APR (ANNUAL PERCENTAGE RATE) ON THE RELEVANT MORTGAGE ESIS ILLUSTRATION.

NON-INVESTMENT LINKED TERM LIFE AND / OR CRITICAL ILLNESS ASSURANCE COVER AND INCOME PROTECTION WILL HAVE NO CASH IN VALUE AT ANY TIME. THE COVER WILL CEASE AT THE END OF THE POLICY TERM. IF PREMIUMS ARE NOT MAINTAINED, YOUR COVER WILL LAPSE.

WE ONLY RECOMMEND CRITICAL ILLNESS PLANS WITH THE ENHANCED OR FULLY COMPREHENSIVE LIST AND DEFINITIONS OF CONDITIONS. FOR A FULL LIST OF THE DEFINITIONS OF ILLNESSES COVERED PLEASE REFER TO THE RELEVANT KEY FEATURES AND POLICY DOCUMENTS ISSUED BY THE INSURANCE COMPANY, FOR THE POLICY WE HAVE RECOMMENDED. THESE DOCUMENTS WILL BE ENCLOSED WITH YOUR ADVICE REPORT.

NON-REGULATED BUSINESS INCLUDES INHERITANCE TAX PLANNING, TRUSTS, NATIONAL SAVINGS & INVESTMENTS (NS&I).

APPROVED BY IN PARTNERSHIP 192638 AUGUST 2026.

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