As “whole of market” independent financial advisers we can provide advice on all companies and products in the market place, therefore offering clients a wider, more sophisticated range of advice and service.
Our principle adviser Bill White has over 40 years’ experience in Financial Services and has been an Independent Financial Adviser for over 30 years.
How we work
As Independent Financial Advisers we are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable products currently available. We are thus able to make arrangements to maximise the benefits to our clients.
You’ll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you’ll need to set aside some time to talk to us – the first consultation is at our cost. There’s no charge, and no obligation, while we find out together your needs and if it’s worth going ahead.
How we are paid
On receiving an enquiry an initial consultation will be arranged with you. The purpose of the consultation is to gather relevant information from you and to discuss your needs and objectives. We shall agree with you how we are to be paid for our services should we be instructed to proceed. There is no charge for this preliminary meeting and no obligation on either side.
We shall work with you either on a fee basis or on an adviser fee basis whereby the financial institutions with whom we place your business will pay us for doing so. We shall always tell you in writing about any adviser fees before proceeding. If you prefer to work with us on a fee basis, we shall give you a note of our fee structure in writing before going ahead with giving you advice.
Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. Fees may attract an additional VAT charge whereas adviser fees, under current legislation, do not.