FAQS

Your first meeting is a chance to understand your goals, concerns and priorities. We’ll explain how we work, outline the services relevant to you, and confirm fees before any advice is provided.

A financial plan gives clarity and direction. It helps you understand where you are now, where you want to be in the future, and how to get there — whether that’s retiring earlier, protecting your family or passing on wealth efficiently.

We provide restricted investment advice, meaning recommendations are made from a carefully selected panel of leading providers. This approach allows us to focus on suitability, quality and value, while maintaining robust governance and due diligence standards.
 

All fees are agreed in advance and clearly explained before any work begins. Depending on the service, fees may be; a percentage-based advice fee, a fixed fee or an hourly rate. Minimum fees may apply, and all charges are confirmed before you proceed.

Yes. Many clients choose an ongoing service, so their financial plan remains aligned with changing goals, legislation and market conditions. Ongoing services include regular reviews, portfolio monitoring, suitability confirmations and access to your adviser and support team.
 

Absolutely. We build personalised portfolios based on your goals, timeframe, and comfort with risk — whether you're investing monthly or managing a larger lump sum.
 

Yes — we can support with residential, buy-to-let and specialist mortgages, and ensure the right protection is in place alongside borrowing.
 

We typically charge a fixed fee for mortgage advice, payable on offer. The amount depends on the type and complexity of the mortgage. We will also usually receive commission from the lender, which will be fully disclosed in your mortgage illustration.
 

Yes. We advise on life insurance, critical illness cover, income protection and private medical insurance. For most protection advice, we do not charge a fee, instead we receive commission from the insurer, which is fully disclosed before you proceed.

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