If you decide to go ahead, we will:

• gather and analyse relevant information about you, your finances, your needs and objectives
• recommend and discuss any action we think you should take and, with your agreement, arrange relevant investments or transactions for you.

Expert
Our advisers cover a wide range of expertise and experience in financial planning including the following categories of clients:  private individuals, trusts/trustees, charities and companies/partnerships.

Ethical
We are a leading expert in advice on ethical investment enabling our clients to invest in accordance with their social and/or religious concerns at the same time as making a good return. This is supported by our membership of the Ethical Investment Association, Association of Independent Financial Advisors and UK Social Investment Forum.

What are your payment options?
Not all firms charge for advice in the same way. We will discuss your payment options with you and answer any questions you have. We will not charge you anything until you have agreed how we are to be paid.

We offer: Paying by 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.

How much might our services cost?
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 either:

• Adviser: £150 per hour

or a pre-agreed fee based on a percentage of investment or other agreed basis.

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.  Normally we will also receive up to 0.5% annual fund based renewal commission or fee for which we will not account to you.