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Costs/charges 
We believe our clients should clearly understand and appreciate the cost of our services. We also believe it is important that we offer flexibility through a variety of payment options and these are outlined as follows:
Fees
Whether or not you purchase financial products through us you will pay a fee for the advice provided. Should we also receive commission from the product provider we will pass on the full value of that commission to you, either by reducing product charges or refunding the commission to you. Trail commission?
Commission
If you purchase a financial product as part of our advice we will normally receive commission from the product provider. Although you do not pay a fee this does not mean that our service is free. Instead you will be paying for our services indirectly through the products charges. We will tell you how much the commission will be before you proceed with our recommendation.
Payment by a combination of commission and fees
It is possible to agree a fee for the work involved and use any commission received to offset the fee. If the commission receive is higher than the agreed fee we will pass on the balance to you either by reducing product charges or refunding the balance of commission to you. Equally we will also ask you to make up any difference should the commission received be less than the agreed fee. (see schedule of charges/fixed fee)
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