Services We offer "utterly impartial financial advice" on: Savings & Investments (e.g.ISAs/PEPs/TESSAs, Stocks & Shares, Bonds, NS&I) Pensions (e.g. Stakeholders, Occupational, Personal, AVCs, SIPPs) Insurance (Life, Critical Illness, Income Protection plans, Mortgage) Mortgages (e.g. Buy to Lets, Remortgages, First Time buyers) 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? For any Mortgage-related advice, unlike some independent brokers who can charge you 1% of your mortgage, we make NO charge for this service. Any remuneration we earn is in procuration fees paid by the lenders (not you) and these are always fully disclosed to you. For other financial issues, our remuneration is determined by your preferences. Whatever option you prefer, our first meeting is always free of charge and at no-obligation to you. You can choose a range of payment criteria - from a flat rate time-based consultation fee 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. Alternatively, we can charge no fees up front but would earn our fees by commission on any products purchased. We operate a policy of full disclosure on any commissions we earn from our work with you.