How we are paid

We know costs are an important consideration for our clients, so we aim to be as transparent as we can about how we charge.

Our fees explained

We believe in providing you with details of our fees upfront so you can make an informed decision. We will state clearly what you may be asked to pay us (and when) for our services which we will confirm in our “letter of engagement”.

Before we commence work with you, we will agree on the cost and nature of your financial plan and, where applicable, the cost and nature of any ongoing service. If you wish to proceed, we will charge an implementation fee as set out in our client agreement. You’re also free to leave at any time, without any penalty costs or charges levied by us.


While our pension and investment advice is charged on a fee basis, we do receive commission on mortgage and protection products.

We will always tell you about any commission we earn, and the cost of this commission paid out by the provider will normally be factored into the price of your product. These commissions vary with different products and providers but will be documented on the key facts illustration (KFI) you receive from the adviser.

We believe charging in this way embodies our ethos of “treating customers fairly”