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Address: 5 Buckingham Road, Cheadle Hulme, Cheadle, SK8 5EG
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Telephone: 0161 445 3444
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Fax: 0161 445 3555
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Charging Structure: Fee or commission
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Business Areas: Commercial Mortgages, Equity release, Group Pensions, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Management of Investments, Offshore investments, Personal Lines, Personal Pensions, Personal Protection, Residential Mortgages, Retirement Planning, SIPP, Tax Efficient Investments, Unit Trusts
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Financial Qualifications: No records held.
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Address: Metropolitan House, Station Road, Cheadle Hulme, Cheadle, SK8 7AZ
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Telephone: 08456 761010
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Fax: 0161 486 6313
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Charging Structure: All charges/fees will be fully disclosed to you. These will be disclosed in summary form before we undertake any work for you. The precise charges relating to any recommendations we make will be confirmed in your Suitability Report or relevant product disclosure information that is provided to you.
The options:
Paying by fee
By choosing this option you will pay us a fee for our advice and services. We will provide you with an invoice in advance of transacting the purchase of your product. If we receive commission from the product provider when you buy a product, we will pass on the full value of that commission to you in one or more ways. For example, we could (a) rebate it to you in the form of enhanced benefits (b) use it to reduce your regular premiums (c) offset it against our fees, as appropriate.
Paying by commission (or product charges)
If you buy a financial product, we will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider's own costs and any commission the provider may pay to us. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.
Paying by a combination of commission and fee
In some circumstances, we also charge a fee on top of any commission we might receive.
Commission can be used to pay for our services or used to offset our fees agreed above.
Where a fee basis has been selected as the method of remuneration, commission that would otherwise become payable for policies arranged on your behalf will be (a) rebated to you in the form of enhanced benefits (b) used to reduce your regular premiums (c) offset against our fees as appropriate.
In the event of policy cancellations and where the policy provider has sought repayment of commissions previously paid by them, we reserve the right to charge a reasonable fee to cover the cost of repaying such commissions.
We will discuss the different offsetting routes mentioned above to assess your preferred option as part of the recommendation process.
We can offer a number of options to clients on how to pay for our services depending on the work being done.
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Business Areas: Direct Investments, EIS, Equity release, Group Pensions, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Offshore investments, Personal Pensions, Personal Protection, Retirement Planning, SIPP, Structured Products, Tax Efficient Investments, Traded Endowments, Unit Trusts, VCT
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Financial Qualifications: No records held.
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Address: 4 Brooks Drive, Cheadle Royal Business Park, Cheadle, SK8 3TD
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Telephone: 0161 483 5284
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Fax: 0161 483 6414
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Charging Structure: We provide the option to pay by either fee or commission which will be clearly discussed before any work is conducted.
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Business Areas: Commercial Mortgages, Corporate Finance, Group Pensions, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Management of Investments, Personal Pensions, Personal Protection, Residential Mortgages, Retirement Planning, SIPP, Tax Efficient Investments, Unit Trusts
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Financial Qualifications: FPC1, FPC2, FPC3
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Address: 46 Church Road, Gatley, Cheadle, SK8 4NQ
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Telephone: 0161 428 7852
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Fax: 01625 252353
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Charging Structure: Fee or commission
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Business Areas: Corporate Finance, Direct Investments, Ethical investments, Group Pensions, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Longterm care, Management of Investments, Offshore investments, Personal Pensions, Personal Protection, Retirement Planning, SIPP, Unit Trusts
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Financial Qualifications: No records held.
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