Remuneration – Fees or Commission -

We will be paid for our work on your behalf either by charging you a fee or by receiving commission on financial products arranged for you. We will agree with you the method by which we will be remunerated. If we charge you a fee, we will agree with you in writing beforehand how it will be calculated, and also if any commission is subsequently received, how this will be dealt with. We will either agree a fixed rate for the work to be done or will charge on an hourly rate. Our hourly fee rate is £125 plus VAT. If we receive commission in respect of transactions in regulated products or investments, you will receive from the life office or provider in question, or from us, information about this commission, including the amount. We reserve the right to act as an agent for third parties and to share commission received with them. If we receive a commission or other form of benefit from the issuer of a security or from another intermediary, we will inform you.