We work on the basis of the fee we agree with you.

Our Client Agreement describes the formal basis of our advisory relationship and an outline of our fee structure.

At our first meeting we will discuss, without charge or obligation, your specific areas of concern and how we may be able to assist.

It may be a general issue, perhaps concerning how [much] to accumulate savings for your retirement age [when?].

Or you might have concerns about how much Inheritance Tax might be due on your estate - and how to deal with it;

Alternatively, you might be approaching retirement and want to consider your options - how to minimise your tax, maximise your income, or even consider the death benefits and maximise the amount available to be left to your family.

Importantly, having agreed what you are trying to achieve and how we can help, we will agree precisely what you want us to do, our fee for this work, any costs involved - and the payment schedule.

Depending on the scale and likely duration of the work, and likely costs/disbursements, we may request a downpayment at the start, but often we will agree payment at the end of the task. We will provide a formal invoice for our fee.

We are VAT Registered: No. 357 528 862; usually VAT will thus be applied to our invoice at standard rates.