Advisory Process

general financial counselling
We will look at your current position, agree objectives with you, assess your view of investment risk and recommend solutions for you.

advice on one issue
We can advise you about just one area – for instance, retirement planning. We will use a similar process to general financial counselling but will focus on the one issue.

impartial research
Our recommendations are driven by independent research, using sophisticated databases and comparison systems which allow us to objectively select the most competitive plan for each individual’s circumstances. Each individual’s circumstances are different and we have recommended more than 50 different investment, life and pension companies to our clients in the last 12 months. We use the following systems as well as buying independent research prepared by the UK's largest network of financial advisers: ExWeb, Standard & Poors, OBSR, Financial Express, Trustnet – and we subscribe to most industry publications.

paying us
The first meeting is carried out at our expense. At that meeting, we agree what services are to be provided. We usually agree a fixed price for each service offered and always give you the choice of how to pay us. Where commission is available to us as a result of the implementation of an investment, pension or insurance policy, you can choose to use this commission to pay part or all of our fee. Where the commission available exceeds the fee, the surplus can be re-invested on your behalf.