We act as Independent Financial Advisers (IFAs) and independent mortgage brokers. This means that our advice is unbiased and solutions to your financial planning needs are sourced from the whole market rather than from a small, limited panel.

Your initial consultation with ourselves is at our expense. If you do not wish to take matters further, you are under no obligation to do so.

During our first meeting, either here at our office or at your home or place of work, we will discuss and document your financial planning needs and requirements and how we can help satisfy these. During this meeting, or prior where practicable, we will ask you to complete our financial questionnaire and perhaps further supplementary questionnaires dependant upon the specific advice you require. This establishes a base of information upon which we can ensure that the advice we provide is wholly appropriate.

We will agree the terms upon which we are to act. Our initial and ongoing fees will be agreed upfront based upon time incurred, complexity and value. Fees can be payable explicitly or offset against commissions which may be payable from a resulting transaction with a mortgage lender, insurance company or investment fund manager. Providing you are happy to engage our services, we will commence acting on your behalf.

We will engage in appropriate research. This includes, subject to appropriate written permissions, bringing together information pertaining to existing policies or investments. No matter how thorough your own record keeping is, it is often easier to let us do the 'leg work' for you, as we are required to establish up to date and often quite specific information, which needs to be requested from the provider.

We will prepare a report or reports that will formalise and detail the 'Reasons why' our specific recommendation(s). We will, where appropriate / necessary, arrange a further consultation or meeting to discuss our report and providing you are agreeable to our recommendations determine a strategy to implement these.

Once the initial advice process is concluded, we will agree a strategy for ongoing management and review of the financial planning implemented.

As part of our service, we offer: -

• direct access to your appointed financial services partner by phone or email,
• further home / work visits (these may be at an additional charge),
• regular mailshots detailing topical news, articles & legislative changes,
• dedicated administrator.
• referral incentive scheme.