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Address: 3 Church View, Fleggburgh, Great Yarmouth, NR29 3DJ
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Telephone: 01493 369061
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Fax: 01493 369478
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Charging Structure: We will confirm the rate we will charge in writing before beginning work and we will tell you if you have to pay VAT. You may ask us for an estimate of how much in total we might charge. You may also ask us not to exceed a given amount without checking with you first
Our typical charges are:
Hourly Rate
Director &£163;125 per hour
Financial adviser &£163;100 per hour
Administration &£163; 35 per hour
We can be paid 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&£191;s own costs and any commission. 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.
Our commission option
Amounts vary according to: the type of product, the amount you invest, and (sometimes) how long you invest for, or your age when you start the product. We will confirm the actual amount to you before you buy a product. The table following demonstrates our normal rates of commission however if it is proposed that the amount to be charged is greater than this amount written confirmation will be provided.
Regular Contributions Based on payment by you of &£163;100 per month
Collective Investment 4% of each payment plus 0.5% 0f the fund value each year
Whole of Life &£163;1,518 initially plus &£163;30.00 per year from month 49
Personal and Stakeholder Pension On a ten year term example &£163;316.80 plus &£163;30 per year from month 13
Lump Sums Based on payment by you of &£163;1000
Collective Investment &£163;40 plus &£163;5 each year from year 1 (The actual amount in later years will vary in line with your fund value)
Investment Bonds &£163;55 plus &£163;5 each year from year 1 (The actual amount in later years will vary in line with your fund value)
Personal and Stakeholder Pension &£163;46 plus &£163;5 each year from year 1 (The actual amount in later years will vary in line with your fund value)
Annuities &£163;30
Unsecured Income &£163;40 plus &£163;10 each year from year 1 (The actual amount in later years will vary in line with your fund value)
We can be paid by a combination of fee and commission (through product charges). In some circumstances, we may charge you a combination of fee and commission. The fee will not exceed the rates shown in this document. We will agree the rate we will charge before beginning work and we will tell you if you have to pay VAT. The fee will become payable on completion of our work. You may ask us for an estimate of how much in total we might charge. You may also ask us not to exceed a given amount without checking with you first. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.
Where we charge a combination of fees and commission, our maximum rates are set out in the fee information and the commission sections above. In addition to the above we may charge a fee on a different basis for a specific transaction or project but we will agree this with you in advance.
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Business Areas: Commercial Lines, Commercial Mortgages, Corporate Finance, Equity release, 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: LMAPC, MAPC
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