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Address: 49c Quainton Road, North Marston, Buckingham, MK18 3PR
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Telephone: 01296 670815
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Fax: 01296 301802
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Charging Structure: Fee or commission
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Business Areas: Direct Investments, Group Pensions, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Management of Investments, Personal Pensions, Retirement Planning, SIPP, Tax Efficient Investments, Traded Endowments, Unit Trusts
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Financial Qualifications: AFPC
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Address: Maids Moreton House, Vitalograph Business Park, Maids Moreton, Buckingham, MK18 1SW
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Telephone: 01280 823300
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Fax: 01280 823760
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Charging Structure: Your first Appointment is always free, after that you can choose to pay us a fee for our services or you can choose the fee-free option and we can take commission from the product provider instead.
Although we offer a fee payment option, most of our clients opt for us to accept commission from the provider as this represents no upfront cost to you.
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Business Areas: Commercial Mortgages, Group Pensions, Group Protection, Investment Bonds, Life Assurance, Longterm care, Personal Lines, Personal Pensions, Personal Protection, Residential Mortgages, Unit Trusts
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Financial Qualifications: No records held.
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Address: 16 Hilltop Avenue, Buckingham, MK18 1TZ
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Telephone: 01280 816944
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Fax: 01280 816944
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Charging Structure: Paying by a combination of Fee and Commission (through product charges)
If we agree this option, the charges will taken as a combination of fees and commission received. The actual amounts will depend on the service provided to you, but will be in line with the arrangements set out in the sections below headed ¿Paying by Fee¿ and ¿Paying by Commission¿ (through Product Charges).
Paying by Fee
If we agree this option, whether you buy a product or not, you will pay us a fee for our advice and services. This will become payable on the completion of our work, or at agreed stages. If we also 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
The manner in which we charge the fees will depend on the nature of the work undertaken. For work that doesn¿t involve the investment of a lump sum, we may charge you an hourly rate to cover our costs. Alternatively we may agree a fixed fee before we start the work.
To give you an indication of our typical charges we have listed below our current tariff: Hourly Rate
Director £250
Financial Adviser and Pension Specialist £225
Financial Adviser £175
Paraplanner £125
Administrator £ 45
We will confirm the exact rate with you before we begin our work.
Fixed Fee
To give you an indication of our charges, listed below are typical pieces of work we are often
asked to carry out. You will note that these are our minimum prices as the charge will vary depending on the complexity of the case. We will confirm the exact rate with you before we begin our work.
¿ Pension Audit from £695
¿ Investment Review from £695
¿ Protection Analysis from £695
¿ Inheritance Tax Assessment from £695
¿ Mortgage Appraisal £295
¿ Pension Transfer Analysis Report from £695
¿ Holistic Financial Examination and Recommendation Report from £1,995; this will incorporate a Pension Audit, Investment Review, Protection Analysis, IHT Assessment, Income and Expenditure Study, and Mortgage Appraisal.
¿ Annual Holistic Financial Review from £1,495
Remuneration for further work initiated as a result of a report will be agreed and charged separately.
When our work involves investing a lump sum of money, our typical charges are:
¿ 4% of the sum invested.
¿ 0.75% of the fund value each year. We may agree this where you require your plan to be regularly reviewed. This is typically to ensure that changes to the original investment can be made where necessary, and to ensure a continued match to your attitude to risk (which is likely to change with time).
When we agree a fee with you, the actual amount or the basis of the calculation will be detailed in the Fee Agreement. This is a document that spells out clearly what the fee charged will be. If you agree to the terms, you will need to sign the Fee Agreement document to confirm that you are happy for the work to proceed.
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 also tell you if you have to pay VAT.
Paying by Commission (through product charges)
If you buy a financial product, we will normally receive commission 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.
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Business Areas:
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Financial Qualifications: CertPFS
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