As Independent Financial Advisers we are free to advise on financial products available from all product providers available to us. We use advanced computer software to research, compare and source the most suitable products available to suit your curent needs and circumstances. We are thus able to make arrangements to maximize the benefits to our clients. You will get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you will need to set aside some time to talk to us - the first meeting is free without cost or obligation. We will find out together if we are able to proceed and also to discuss on what basis you would like to pay us for our service. Depending on your instructions we will carry out a ‘needs analysis’ based on your current situation, and taking into account any specific plans and / or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan. We may recommend solutions that clients are unlikely to consider for themselves. All our proposals will be fully explained and discussed and the cost of our advice and whether this was based on payiong a fee or by being remmunerated by commission would be disclosed to you.