FAQs
Do you get commission?
When we arrange an insurance policy or mortgage on your behalf, we receive commission from the insurer or lender. The amount of commission will be disclosed separately should you purchase one of these products.
Do you charge VAT?
Where our advice has led to the set-up of a new product, any new and subsequent advice charges are exempt from VAT. Where our advice does not lead to the set-up of a new product, our hourly rates will be subject to VAT at 20%.
How can I find your fees?
During the initial meeting, we will agree with you on your priorities and provide information on how fees are calculated and charged prior to commencing any work.
Can you help me retire early?
Yes, we work closely with many clients whose goals are to retire early and use cashflow planning to test different scenarios.
Can you help me plan my retirement?
Yes, we specialise in helping people plan for retirement.
What type of clients do you typically work with?
We work with clients at every stage of life, from those who are building their career to those who are a few years away from retirement.
Do you work with younger clients who are still building wealth?
Yes, we work closely with many younger clients by focusing on long-term planning and building an investment strategy to suit your goals and risk tolerance.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Do you work with company directors or self-employed clients?
Yes, we work with company directors and self-employed clients. We can help you plan around variable income with tax efficient financial planning, and we often work alongside your accountant where needed.
Do you work with clients approaching retirement or already retired?
Yes, this is one of our specialist areas. We provide guidance on pension decisions, retirement income planning, and ongoing reviews to ensure your plan evolves as your needs change.
Can you help clients who have inherited money?
Yes, we can help you decide how best to use and invest an inheritance in line with your goals and priorities.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
Can you help clients who have sold, or are in the process of selling, a business?
Yes, we have experience dealing with people who are in this situation and can advise you during the sale and after your business has sold.
Can you help clients manage their finances after a bereavement?
Yes, we can support you through the financial decisions that often follow a bereavement, taking things at your pace and helping you understand your options before any changes are made.