As Independent Financial Advisers we can receive remuneration for our services on the following basis:

• Fee – calculated on hourly rate.

• Commission – paid by the product provider for introducing the business to them.  The commission is paid out of the contracts established and we will disclose the amount payable.  Depending on the type of advice given and the work involved we may be in a position to rebate part of the commission back to you, either reducing the premiums or increasing the investment allocation.

• Fee and commission – our services can also be paid by a combination of the two.  In the event that the commission payable for establishing the arrangement does not cover our costs, it can then be supplemented by a fee.