About us
How to pay for your advice
Taking advice on your finances from an independent financial adviser could be the best investment you make, but we understand that the cost of paying for that advice is a key consideration for you.
In the same way that there isn’t a ‘one size fits all’ financial plan, we believe that there should be flexibility in the way that you can choose to pay for our financial advice. We can chat through your needs and agree which payment structure suits you best.
This could be any of the following:
Ways to pay
Fixed fee
a one off payment, which is subject to VAT at standard rate
Hourly rate
where you pay for each hour (or part of an hour) of your adviser’s time. We’ll give you an upfront estimate of how long the work will take and therefore how much you might expect to pay.
Percentage of assets
where we receive payment based on a percentage of the value of your portfolio.
Percentage of mortgage
where we receive payment based on an agreed percentage of the mortgage you are taking out.
Commission
where payment is received as commission from the company you buy your financial product from. We can take commission on insurance and mortgage products, but we’re unable to charge commission on investment products including pensions, equity release, life policies or investments in unit trusts.
Q&A
Questions & answers
When do I pay for advice?
We agree the fee with you in writing before chargeable work starts, and explain when payment is due.
Can fees be paid from my investment or pension?
In many cases, yes. Fees can often be deducted from the product. We will explain the effect this has on the value of your plan.
Your first meeting is free
Talk to an independent financial adviser in St Albans. Call 01727 223251 or send us a message.