How we work

As Independent Financial Advisers we are authorised to advise on financial products from the whole market. We use our experience to research, compare and select the most appropriate solution for you.

You'll get our help to review your existing financial situation and reach a realistic assessment of your needs. For this, you'll need to set aside some time to talk to us - the first one-hour consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead.

Depending on your instructions we will get to understand your priorities, and take into account any specific plans and/or targets you may have. We will then advise you on anything from a short-term financial objective to a lifetime financial plan, most importantly followed, up with regular reviews.

You will receive professional advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all). You'll also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances.

All our proposals will be fully explained and costed so that you'll know exactly what we propose and why before you agree to anything.  We normally agree the amount before arranging any work, so that you know exactly what any advice is costing.  This helps you avoid worries about the complex charging structures and how much that might be costing you.  Our charges can be deducted from the products or paid direct, it really is your choice, the key is our charges are transparent and designed to be fair.