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Address: 80 Millbrook Road, Crowborough, TN6 2SA
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Telephone: 07870 686155
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Fax: 01892 652260
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Charging Structure: Paying for services
Not all firms charge for advice the same way. We will discuss your payment options with you and answer any questions you may have. We will not charge you anything until you have agreed how we are paid.
We can be paid by a fee
Whether you buy a product or not, you will pay us a fee for our advice and services. 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 reduce our fee; or reduce your product charges; or increase your investment amount; or refund the commission to you.
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&£8217;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.
We can be paid by a combination of commission and fee
In some circumstances, we also charge a fee on top of any commission we might receive.
Our fee option
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:
Principal/Director/Partner &£163;175 per hour
Financial adviser &£163;125 per hour
Administration &£163;25 per hour
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 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 3% of all payments (&£163;3.00) plus 0.5% of fund value each year
Whole of Life 135% of first 12 months premium (&£163;1,620.00)
Personal and Stakeholder Pension 25 year term &£8211; 53.4% of the first 12 month&£8217;s payments (&£163;640.80)
10 year term &£8211; 18.8% of the first 12 month&£8217;s payments (&£163;225.60)
Lump Sums Based on payment by you of &£163;1000
Collective Investment 3% of your investment (&£163;30.00) plus 0.5% of fund value each year
Investment Bonds 5% of your investment (&£163;50.00) plus 0.5% of fund value each year
Personal and Stakeholder Pension 4.6% of your investment (&£163;46.00) plus 0.5% of fund value each year
Annuities 1% of your investment (&£163;10.00)
Income Drawdown 4% of your investment (&£163;40.00) plus 1.5% of fund value each year
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Business Areas: Equity release, Ethical investments, Group Pensions, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Offshore investments, Personal Lines, Personal Pensions, Personal Protection, Property investments, Residential Mortgages, Retirement Planning, SIPP, Tax Efficient Investments, Traded Endowments, Unit Trusts
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Financial Qualifications: CeMAP, DipPFS
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