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Address: 22 The Waterfront, Eastbourne, BN23 5UZ
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Telephone: 01323 479810
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Fax: 01323 472643
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Charging Structure: Fee or commission
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Business Areas: Commercial Mortgages, Group Protection, Life Assurance, Personal Lines, Personal Protection, Residential Mortgages
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Financial Qualifications: FPC1, FPC2, FPC3
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Address: 220 Macquarie Quay, Eastbourne, BN23 5AW
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Telephone: 07909 525903
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Fax: 08717 000010
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Charging Structure: With regard to fees we discuss the payment options with our clients and answer any questions they may have. We do not charge anything until the client has agreed how we will be paid. There are two options, the client can pay us a fee for our advice and services, or we can collect commission form the product provider following the sale.
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Business Areas: Group Pensions, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Personal Pensions, Personal Protection, Unit Trusts
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Financial Qualifications: No records held.
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Address: 25 Hyde Gardens, Eastbourne, BN21 4PX
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Telephone: 01323 734530
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Charging Structure: You will have the following choices as to how you will pay us for our services.
¿ Paying by Fee only
¿ Paying by a mixture of Fees and us receiving Commission
¿ Paying by us receiving Commission only.
We will discuss your payment options with you and answer any questions you have. We will not charge you until we have agreed how we will be paid. If you pay by fee, we will agree an amount based on the rates given in the ¿Paying by Fee¿ section below. Where we receive any commission this will be as detailed in the ¿Paying by Commission¿ section below. If you pay by a mixture of fees and commission the details will also be covered in both sections below. If we receive a commission, the exact amount will be confirmed in the illustration you receive from the Product Provider.
Paying by Fee
We will agree the rate we will charge before beginning work. We will tell you if you have to pay VAT. Our typical charges are £250 per hour.
You may want to have ongoing advice from us if we recommend a pension or investment product for you. Many customers like to have an annual review to check that their investments will remain suitable for their needs. Rather than paying us a separate fee for this service, we may charge an annual fee (often called a Trail Fee) which will be taken directly from your investment. Effectively this fee would be an Annual Commission.
In the ¿Paying by Commission¿ section below, we have provided a typical set of figures to show how Commission will be payable if part is taken immediately, and part paid yearly. We have clearly laid out how much this would typically be.
Paying by Commission (through product charges)
If you buy a financial product, we will normally receive commission on the sale from the product provider. Although you pay nothing to us up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the provider¿s own costs and any commission. These charges could 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.
The commission paid will depend on the type of product, the amount invested and how long the investment is intended to last. For absolute clarity on how much commission will be paid, please see the illustration you will be provided with under Financial Services Authority rules, for the product being recommended. All illustrations are designed to provide full and accurate disclosure on commission, as well as the charging structures applied within the various investments. This will be provided to you in good time, before you complete the application form.
The commission amounts cover the costs of us recommending a suitable investment product and liaising with the product provider to set the plan up on your behalf. The amounts paid yearly are to provide you with continuing service and advice, where we have agreed you would like this level of service.
Paying by a combination of fees and commission:
We will charge you a combination of fees and commission. The actual amounts will depend on the service provided to you, but will be in line with the arrangements set out in the sections headed ¿Paying by Fee¿ and ¿Paying by Commission (through product charges)¿.
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Business Areas: Commercial Lines, Commercial Mortgages, Corporate Finance, Direct Investments, EIS, Ethical investments, Group Pensions, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Longterm care, Management of Investments, Offshore investments, Personal Lines, Personal Pensions, Personal Protection, Property investments, Residential Mortgages, 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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