As a firm we understand client's concerns with paying excess charges. Our remuneration system is compliant with the FCA's (Financial Conduct Authority) Retail Distribution Review. This means we are able to charge both fees and/or take an advisor charge from the provider or, in some cases, offer a combination of both.

There are occasions where it is advisable for the client to pay us a fee instead of us taking commission. However as each case and individual is different we explain the various options to the client on the first meeting. What we ensure is the following:

• The first meeting is ALWAYS on a 'free' and no obligation basis.
• We always try to work to the best interests of our client not ourselves.
• All charges are visible and if clients are paying a fee we will offer 'quotes' of how much the work will be upfront.