We do not charge for the initial discussion. Once you instruct us to proceed with an application we will agree with you how we are to be paid - by fee or commission or a combination of both. The fee is based on time spent on your behalf whereas commissions are paid by the provider. We can tailor the charges according to your circumstances. Regardless of the type of payment, we strive to be very transparent in how we are remunerated. No charges for fees will be made without prior notification in writing.

When you contact us we will discuss your needs to see how we can help. If you choose to use our services, we will conduct a ´Fact Find´ to review your current financial situation and identify your needs. We prefer to do this face to face so that you have an opportunity to assess whether we should be your adviser but if distance is a problem clients need not visit our office as much of the initial work can be done via the phone, fax, post or email or meetings may be arranged at a location to suit your needs. We do try to get to see our clients as often as possible and part of our service is to offer a financial review, normally on an annual basis.

We then research suitable products on your behalf using the latest technology and our relationship with global institutions.

We have over 25 years of experience in the Financial Services industry

We have a wealth of knowledge, tools, experience and support behind us.

The advantages and disadvantages of each product will be explained to you. If you instruct us to proceed with an application we will try to achieve your goals in a timely manner, keep you fully informed of progress and follow up as appropriate.
 

• We adhere to strict FSA (Financial Services Authority) guidelines, which obligates us to provide advice most suited to your personal requirements, affordability and your risk profile.
• Do not think that an Independent Financial Adviser (IFA) is only for the wealthy, this is not the case. The majority of our clients are normal everyday people. Our services are open to everyone.
• We have 25 years of experience behind us. We concentrate on the suitability, risk and strength of new and existing financial products and providers. We hold professional indemnity insurance and are registered under the Consumer Credit Act and Data Protection Act and hold the appropriate licences.
• For anyone to find the best products and providers in any market you first have to possess the knowledge, experience and tools to find your way. We look after our clients on a regular basis and understand the financial market and what is important to consumers.