This meeting is at our expense and at no cost to you. The purpose is to get to know you, find out what you are trying to achieve, how we can help and what the process and next steps are. This can be at your own home, an office or remotely if preferred.

If you feel you could benefit from our service we will work with you to fully understand your current situation. This will mean gathering personal and financial information to understand where you are now and what your goals, objectives and potential shortfalls are.

After discussing your objectives and analysing the information gathered we will then identify any shortfalls and aim to plan the best strategy to revise your individual objectives.

After extensive research and analysis we will provide and explain a tailored report outlining our recommendations and how they meet your individual needs.

This is where we put the plan into action, deal with any administration and keep you informed of its progression.

It is vitally important that any plan or mortgage put into force is reviewed on a regular basis to ensure that it continues to meet your needs both now and in the future. Things can change very quickly such as your own circumstances, legislation, taxation, product changes to name but a few. By reviewing we can easily adapt or change if necessary if beneficial to do so.

Our typical fees will be disclosed at our initial consultation meeting. Before any recommendation we will confirm our fees and seek a signed agreement. Our mortgage broker fees are typically due when we are ready to submit your application. Fees associated with our pension and investment advice can either be paid when we are ready to submit your application or taken from the money you are looking to invest and are typically a percentage of the amount invested.