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Address: 148 Burwood Road, Hersham, Walton-on-Thames, KT12 4AS
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Telephone: 020 7469 2800
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Fax: 020 7469 2801
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Charging Structure: Fee or commission
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Business Areas: EIS, Ethical investments, Group Pensions, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Management of Investments, Offshore investments, Personal Pensions, Personal Protection, Retirement Planning, SIPP, Structured Products, Tax Efficient Investments, Unit Trusts, VCT
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Financial Qualifications: FPC1, FPC2, FPC3
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Address: Unit 28a Enterprise House, 44-46 Terrace Road, Walton-on-Thames, KT12 2SD
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Telephone: 08443 368876
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Fax: 08721 153882
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Charging Structure: OUR FEES
Different advisers charge for their services in different ways. There has been a great deal of debate recently about the real cost of commission and how this risks incentivising some advisers to recommend an unsuitable product.
We always charge transparent fees for the professional services we provide.
If we also receive commission from any product provider, we always pass on the full value of that commission by reducing your fees, reducing your product charges or (where permissible) refunding that commission payment to you.
FIRST MEETING
The initial meeting is always held at our expense and without any obligation.
Following this first meeting we will provide you with a fee agreement letter describing the specific services we will provide and the fees we will charge. We will never charge you anything until you have agreed how we are to be paid by signing a copy of the engagement letter. Our fees are charged for three separate activities:
ADVICE
We charge you a project fee for the acquisition and analysis of data, and the provision of a written report and recommendations, presented to you so you have the opportunity to ask any supplementary questions.
Our advice fee is normally £297.00, however in exceptional circumstance we may charge extra depending on the complexity of the work involved and the level of expertise required. For example if you have a SIPP or Income Withdrawal plan we may have to charge extra. We will tell you the precise fee for advice in your engagement letter.
Our advice fee is payable on completion of the advice activity, either by invoice or an agreed offset of commission if we go on to implement a financial product. If we do not carry out any implementation activity, this is the only fee you will pay.
IMPLEMENTATION
In addition to the advice fee, we typically charge an implementation fee of 2% of the amount invested, with a minimum charge of £250.00. This implementation fee is usually paid through an agreed offset of commission when we implement a financial product on your behalf- For larger investment portfolios, typically those in excess of £500,000 we usually reduce our implementation fee.
Whilst we charge fees in respect of the majority of financial products that we implement for our clients, our implementation fee for arranging life assurance is the payment of commission on an ¿indemnity¿ basis. We will always disclose to you the precise amount of commission to be paid before you make an application.
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Business Areas: Direct Investments, EIS, Equity release, Ethical investments, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Longterm care, Management of Investments, Offshore investments, Personal Pensions, Personal Protection, Residential Mortgages, Retirement Planning, SIPP, Structured Products, Tax Efficient Investments, Unit Trusts, VCT
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Financial Qualifications: FPC1, FPC2, FPC3
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