We will consider a range of regulated products from the available market that can meet the objectives of a retail client. However, we will only provide a recommendation to you when we know the product is suitable for your personal circumstances. 

Every case is different. In every case, we will quote you after we know the capital amounts and work involved. You would only be accountable for a fee or commission after you have read the client agreement and agreed in writing.

Risk Protection

For non-investment protection contracts, we are an intermediary and will act on your behalf when providing advice and making our personal recommendation(s) to you. We will do this based on a fair and personal analysis of insurers for term assurance, income protection and critical illness.

Investments

Depending on the work and your requirements, there is generally an initial fee for the initial work, then an ongoing fee for the service agreement which includes at the annual review of the product and funds to ensure that they remain suitable.

Due to the burden of regulations some investments sizes will be too small for us to be involved.

You should be aware that investments carry varying degrees of risk and as their underlying value can fall as well as rise, you may not get back the full amount invested. The UK tax treatment of investment and pension products could also change in future.

Other Products

Where we cannot provide advice, such as for mortgages, Equity Release, PMI, etc., we would, with your pemission, refer you to to anther adviser with the Rosemount (IFA) network.

Will Writing is not regulated by the Financial Conduct Authority.

Estate and inheritance planning is not regulated by the Financial Conduct Authority.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.