Please note our new phone number is 0330 999 0393. This is a local call rate number
that you you use anywhere in the UK, at anytime of day, and from any type of phone
which will always be connected at your lowest call charge rate!
Client Service Agreement (Terms of Business)
In the interest of good business practice and mutual understanding, please find below
our Client Service Agreement.
Most of the terms and conditions are weighted firmly in your favour, and the rest
of them are of mutual benefit.
We can only provide you with our Financial Advice and Services when we have received
a valid agreement from you.
Advice & Service Costs
We believe that our charges are both fair and simple... Simple because practically
everything costs just 1%
and fair because we believe this is about the best price you'll find anywhere for
truly Independent Financial Advice.
There are some instances where the 1% rule doesn't work - for either party, and in
these cases we work on an hourly rate of £55 including VAT.
Our Client Service Agreement sets out the basis upon which will work with you in
setting up your Financial Planning arrangements, and then helping you to look after
If you are happy with these Terms & Conditions, and would like us to help you in
this way, we'll ask you to complete and return a Client Service Agreement to us before
carrying out any work on your behalf. This document can be accessed via the link
As a Financial Service business we work within a very formalised and regulated industry.
This means we must hold various trading Licences and Authorizations to help ensure
the well being of both you as our Client and ourselves as your Adviser.
We have listed below our association with the relevant authorities, and a summary
of what this means for you.
You can click on the relevant ICON to view that authority’s site for further information:
Financial Conduct Authority: are the consumer watchdog for the regulated sector of
the financial services industry. They issue our licence to trade as Independent Financial
Advisors, police our industry, and look after everyone’s best interests.
Office of Fair Tradingissue our Consumer Credit Licence in respect of Equity Release
Plans, Mortgages & Secured Loans; and otherwise do a similar job to the FCA.
Financial Services Compensation Scheme: is funded by all participant businesses to
provide financial compensation in the event of us going out of business or providing
you with the incorrect financial advice.
Information Commissioner’s Office: administer the protection of confidential information
in accordance with the Data Protection Act 1998. We will only use your information
for its intended purpose of helping you in our professional capacity.
Financial Ombudsman Service: help settle disputes between financial service businesses
and their customers.They are an independent adjudicator to give both sides a fair
hearing, and provide an impartial resolution.
Society of Will Writers: are the industry equivalent of the FCA in respect of Will
Writing, Powers of Attorney, and other Deeds of Estate.
Federation of Small Businesses: are a nationwide support and quality assurance association
for small businesses across all industries.