Where we have to carry out any work before presenting a full report there will be fees applicable.

The initial consultation is FREE, subject to there being no long distance traveling involved.

INITIAL FEE

PENSION

Pension is a complex issue. There is no straight forward answer or recommendation without first obtaining all the relevant information.

In order to do this we will need to contact the product provider. Where there is more than one pension contract the level of work increases accordingly.

A full report will be provided in order for the client to decide whether the switch of their existing pension contract is in their best interest.

Depending on the level of work involved we will quote the fee applicable.

INVESTMENTS

Most other investments are not as complex as Pensions.

However again in order to justify our recommendation we will need to obtain certain information in order to prepare our report. In most cases this information can be obtained from the investment statements received from the existing product provider. Where sufficient information is not available we may need to contact the product provider.

Again depending on the level of work involved we will quote the fee applicable.

In most cases the level of fee applied will be very small to cover the basic administration cost.

Any agreed Fee is subject to VAT and payable in advance.

Further Remuneration to Scorpio Financial Services

Once a client decides to proceed, Scorpio Financial Services will qualify for further remuneration which can become payable either by way of Fee, Customer Agreed remuneration (CAR) or Commission.

Fees will be agreed in advance which will attract VAT and will be required to be paid up front by the client. If the Fee route is chosen, to cover the regular maintenance and management cost, a monthly retainer will be charged. Paying for our services by Fee will mean a client’s investments will be enhanced by higher unit allocations.

CAR will be agreed with the client in advance and will be paid by the product provider out of the charges deducted from initial investments and annual fund management charges.

Commission is normally paid by the product provider where a contract is successfully implemented, such as Life Insurance, Pension or other form of protection. Where any research has to be carried out, an upfront Fee may become payable to cover the administration cost. No refund of fee is available for Life, Pension or other form of protection contract.

IN SUMMARY

The whole purpose of carrying out an Investment Financial Plan is to put our client on the right footing where they can regain control of their investments.

Bring sparkle to your investments, you deserve it.