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How We Are Paid

On receiving your enquiry we invite you to come to our offices (or if this is not possible at your place of work or home) for a preliminary meeting.

First Meeting
The purpose of this meeting is firstly to establish whether we are able to assist with your needs and help you meet your objectives, and secondly to discuss how we would be paid for our counsel and services once you have instructed us to proceed. There is no charge for this preliminary one-hour meeting, and no obligation on either side.

Our Fees
We work on a fee basis, either at our standard hourly rate or for a fixed fee for an agreed plan of work. At all times, we will ensure that you are fully aware of any costs involved, before a commitment is made. Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs.

If you ask us to arrange a mortgage for you we can be paid by either commission or a fee. If you choose to pay us a fee, this will usually be £250.

Commission
Where we are instructed to affect financial planning on a commission basis, this will usually be paid directly by the insurance or investment company concerned. We will inform you of how any commission is to be paid, prior to any business transaction.

Please read our privacy statement before completing any enquiry form or before sending an email to us.

The Financial Services Authority does not regulate the activities of tax planning, estate planning or IHT planning.

Spectrum Financial Planning is authorised and regulated by the Financial Services Authority (www.fsa.gov.uk/register). FSA Registration No: 433054