We’ve answered some of the more common queries we receive from clients below. If you have a question that doesn’t appear here, feel free to get in touch.

Where are meetings held?

Meetings can be held either in your own home, a mutual location or electronically via Microsoft Teams.

Are you independent?

Yes, we’re totally independent. This is something that’s important to us, as it allows us to choose products and solutions from the whole of the market, rather than working from a restricted model.

Are you regulated?

Yes, we are appointed representatives of Sense Network, who are regulated by the Financial Conduct Authority (FCA). You can find our entry on the FCA register here.

Can you advise on Final Salary/Defined Benefit transfers?

We do not advise on Final Salary pension transfer. We refer to a specialist company called Pensionhelp to conduct this kind of advice. Pensionhelp are an external company but we will continue to support you through this.

What happens if my Financial Adviser is away on holiday?

You can speak to the team on 01332 982733 and someone else will always be able to assist you.

What do you charge for a financial plan?

Our initial meetings are free of charge, but we then charge on implementation of our recommendations.

Do you take a percentage or are your fees fixed?

Our fees are percentage-based.

Do you get commission?

We don’t receive commission on investment or pension business, but we do on protection products.

Do you charge VAT?

We don’t if our recommendations include a product, as we are VAT exempt. If no product was included in our advice, then VAT is payable on the fee.