News and resources
Find out more about the topics that may affect your financial wellbeing and keep up to date with our company and wider financial news.
Or find out the answers to some of the questions we get asked most often.
Where are meetings held?
We like to hold as many meetings as possible in our office at 4 St Paul’s Square. However, we do often travel to our clients’ homes for meetings if it suits them. We can also hold meetings via video if preferred.
Do you have parking?
We don’t have designated parking for our clients, however, there is parking at St Paul’s Square and NCP Liverpool Pall Mall just around the corner from our office. Alternatively, we are only a three-minute walk from Moorfields Train Station.
Do I have to pay for an initial meeting?
No, at the outset, we will arrange a discovery meeting with you, at our expense.
We will provide a suggested fee structure and will tailor this to your needs. We will always openly discuss and formally agree our fees and charges with you in advance.
What do I need to bring to an initial meeting?
You don’t need to bring anything to an initial meeting; however, we would recommend you know what your current personal and financial situation is and what your goals and objectives are. This way we can have a clear idea of what we can do to help you. It would also help if you brought ID documents such as a passport / driving licence.
How long should I allow for an initial meeting?
An initial meeting can take up to two hours. This is because we want to get a full picture of your circumstances (personal and financial) as well as your goals and objectives. We also want you to get to know us and our advisers, so you know if we’re right for you.
Do I have to sign up to your services at an initial meeting?
No. Our initial meetings are non-obligatory. It’s a meeting for us to get to know each other and you can decide if we’re right for you later.
How can I book an initial meeting?
You can book an initial meeting by filling out the form on our “Contact us” page and a member of our team will be in touch with you in due course. Alternatively, our enquiries email address and office telephone number are also detailed on our “Contact us” page.
Are you independent?
Yes. We are a fully independent financial management firm. This means we can advise on a range of products from multiple providers and find the right strategy for you, without restrictions.
Can you advise on Final Salary/Defined Benefit transfers?
Yes. We hold the Pension Transfer Gold Standard for safeguarded and defined benefit transfer advice. However, we do usually outsource the final salary transfer advice to a specialist firm we work closely with, and we provide coaching and guidance during this process.
What happens if my Financial Planner is away on holiday?
If your adviser is away on holiday, don’t worry. Someone from our tight-knit team of advisers, paraplanners and adviser support will be able to help you in your adviser’s absence.
How do you charge for your services?
We will provide a suggested fee structure and will tailor this to your needs. Generally, we work on a Funds Under Management basis, however, we can also work on an Hourly Rate basis or for a Fixed Fee. Details of our charging structures can be found in our Client Agreement.
We will always openly discuss and formally agree our fees and charges with you in advance. We are very keen to ensure the total cost of advice and investing are kept as low as possible. High charges are detrimental to long-term returns and one of our roles as your adviser is to minimise these.
Do you take a percentage or are your fees fixed?
A combination of both. We typically charge fees in line with our hourly rate for initial advice and if you decide to retain our ongoing services then a Funds Under Management charging structure. Our fees will typically come from a percentage of your portfolio that we look after. However, if you only want one-off advice, this will generally be charged as a fixed fee.
Do you get commission?
Yes, we may receive commission if this is the agreed remuneration structure where recommendations are given for any form of protection/insurance. For all other areas of financial planning advice, we operate on a fee basis rather than commission.
Do you charge VAT?
No, we do not currently charge VAT.