Services We offer "utterly impartial financial advice" on: Savings & Investments such as ISAs, CTFs, Bonds, NS&I and Trusts Pensions such as Occupational and Group schemes, Personal, Stakeholder and SIPPS Retirement Income Options such as Annuities and the Open Market Option, Unsecured or Phased Drawdown Insurance such as Life, Critical Illness, Income Protection, Unemployment, Keyman and Corporate cover Mortgages such as First Time buyer, remortgages and Buy to Lets Equity Release such as Home Reversion and Lifetime mortgages Long Term Care funding Inheritance Tax planning By taking impartial 'independent' financial advice you get more choice than you would by going to a single product provider. More choice generally means lower premiums and a contract that is tailored to suit your individual needs. What do we charge? Our remuneration is determined by your preferences. Whatever option you prefer, our first meeting is always at our own expense and at no obligation to you. We always explain at the first meeting how you can choose to pay us should you wish to engage ourselves as your IFA. You can choose a range of payment criteria - from a flat rate time-based fee, a monthly retainer, through to an entirely commission-based method driven by actual financial products and services you invest in. As a guideline we normally charge £125 per hour if you choose to pay on a fee-only basis. If you take this option, all commissions arising on any products purchased are rebated to you or can be offset against fees as you prefer. We operate a policy of full disclosure on any commissions we earn from our work with you.