Our services

We provide a number of services for both individuals and businesses as well as for charities and other organisations.

Find out more about our ethical investment services for you:

We help clients evaluate their current investments, whether conventional or ethical, and get the best value from them by making the most tax-efficient decisions to provide for their future needs.

We don't try to push people into ethical investments, nor to encash the conventional ones they already have.

We have detailed knowledge of conventional funds as well as mainstream financial advice such as Inheritance Tax Planning and Business to Business & Employee Benefits.

Independent

We offer investment, insurance and mortgage products from the whole market since we are independent financial advisers.

We do not offer products from just a limited number of companies nor do we offer products from a single company.

Ethical Investment for businesses

You may have heard about ethical investment and think it's a good idea but are not sure how you can build it into the finances of your business.

Providing basic benefits to employees is an indicator of a well-run company. It is not just about doing the right thing – providing proper benefits helps businesses to retain staff and allows them to plan for their retirement, which is vital as we move into an era when the state pension will not cover people’s needs.

If you employ more than five people, you have to offer a staff pension scheme but if you are a small or medium-sized business, the last thing you want to do is get bogged down in the details of pensions regulation and provision.

This is where GAIEA comes in.

How GÆIA can help

We can guide you through the maze of financial services, save you time and money and give you peace of mind. On top of that, we are experts in investments in ethical and environmental funds, an area that is increasingly in demand from businesses and their employees alike.

We can help you to give your employees the key benefits they need to motivate them and give them peace of mind. We can offer a personal service that you will not find with a larger provider, but we are competitive on costs, too.
We have a team of friendly advisers and administrators who will work with you to get the best package of benefits for your company.
We can ensure that you are provided with a cost effective package, as Independent advisers we have the whole market available to us. Other providers may be limited to one or a small range of companies and these may not provide you with the best price structure.

We offer a full range of financial services for businesses, including:

Group personal pension schemes
Death in service benefits
Income protection schemes
Partnership and shareholder protection

Advice for individuals

The financial services market has grown considerably in recent years. With that growth has come an offering for almost every individual need and occasion being provided by a large number of different companies.

As we go through life, some of the most important decisions we have to make relate in one way or another to money

Such as

Buying a home
Planning for the future
Raising money for business or private use
Having children and educating them
Insuring your health
Choosing the right pension & providing for the future of the family are just a few of those important stages.

The difficulty is choosing the packages and companies that best meet your needs. Young or old, no matter what backgrounds we come from, at some time we all make financial decisions.

By making the right decisions we can gain significantly. But making the wrong ones can prove expensive, not just for us, but also for those who depend on us. Genuinely independent advice therefore is relevant to everybody.

Ethical Investment for charities and others

We offer a full range of employee benefits and financial services including pensions and life assurance.

About the costs of our services

Our investment services include an initial discussion without charge where we will describe our services more fully and explain the payment options.

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.