01896751007 retirement@lowlandfinancial.co.uk

How we are paid

Once we hear from you - we invite you to come to our offices 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 half-hour meeting, and no obligation on either side. We are on the first floor so if stairs are a problem - let us know and we can meet in Kelso or pop out to see you. 

Our Fees

If after the initial meeting you decide to work with us we try where possible to offer a set price for our services so you know where you stand. We charge a tierd percentage of the investments on which we advise you so the % cost reduces the more you invest. So for example if we advise you on investing £100,000 the initial fee is 1.5% and for £250,000 it's under 1%.

There are various options for payment. These include:

  • Direct Payment to us (generally by cheque)
  • Facilitated Payment to us by the product provider (ie deducted from your investment)
  • Any combination of Direct Payment and Facilitated Payment

We will always agree the amount and basis of payment for any fees before taking any action on your behalf.

More detailed examples of the fees and how we work is contained in our Retail Client Agreement.