Initial meetings with new clients are without obligation as we both need to be
sure that we can work together in the longer term. However like any professional
adviser we need to cover the time spent on clients’ affairs. The costs in providing
a quality financial planning service for our clients are significant and include high
regulatory and compliance expenses. Unless agreed otherwise our remuneration
will be based on time spent and disbursements relating to clients’ affairs.

We believe that individuals who are not prepared to pay for advice are at risk
of being sold products that at best may be unsuitable for their circumstances.
In the long term this can prove to be an expensive mistake.

Where commission is payable from product providers when placing investments
for clients, we provide in writing the full amount of commission due. Any commission
we receive will be used to offset time spent and in many cases this will cover the
costs in full.

In every case the basis of remuneration will be discussed before we undertake
any work for clients.