We promise to be impartial and never select products for their commission bias instead of their suitability. We work on your behalf on either a fee-paying, commission basis or a combination of the two; and that decision is left up to you. Our fees are competitive, charged on a time spent basis. We offer high levels of transparency and you can check our records at any time. All fees are discussed and agreed before we go ahead with any work. If you choose commission, we’ll be paid out of the cost of any financial product you buy. Commission is paid to an Independent Financial Advisor by a product provider; usually an insurance company or an investment house. The amount is based on a percentage of the premiums payable or sums invested. The commission is included within the providers' normal product charges so there is no additional charge to you. We will always tell you about any commission we earn and agree any further fees with you upfront. Examples of our fee structure are contained within our Initial Disclosure Document (IDD) which is provided to you at our initial meeting.