The first hour is always free of charge unless we have specifically stated otherwise and there is no obligation on either side to proceed further.

The purpose of this first meeting is explained more fully in the How we work section.

After the initial consultation, we will agree with you how you will pay for our services, whether you pay a fee as a cheque or bank transfer, or whether our costs are to be met by a deduction from  of any financial product you invest in. You will always receive written confirmation about the fees that are to be paid before you incur the fee so that you are in possession of all the facts before proceeding.

Fees may be charged as a pre-agreed fixed amount, hourly rate, or as a percentage of funds invested.  Details of our fees are shown in the The Cost of Our Services Document.

A fee agreement will be provided that will stipulate what work is to be carried out and what our remuneration will be for the work undertaken. Work on your behalf will not commence until you have signed the fee agreement. In this way each party knows what is expected.

Fees can attract an additional VAT charge but where an investment is made often the fee is exempt from VAT.  Because the vast majority of our business is associated with investments, it means that we are not at present registered for VAT as most of our income is exempt.

How you pay will be a matter of discussion and agreement, and no charges for fees will be made without prior notification to you in writing.