How We Are Paid

After the initial free consultation, we will agree with you whether you pay us a fee, whether we are paid out of the cost of any financial product you buy, or a combination of the two.

Commission is paid to an IFA firm by a product Provider, usually an insurance company or an investment house, for the successful placing of business. The commission is included within the providers normal product charges so, if you prefer to choose this route, there is nothing you need to pay us in addition.

Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover out costs or on a fixed cost basis. Fees may attract an additional VAT charge whereas commissions, under current legislation,
do not.

Whether we take our remuneration by way of commission or fees will be matter of discussion and agreement – no charges for fees will be made without prior notification in writing.

For Mortgage advice we can be paid by commission or a fee of £295.

Imperial Independent Financial Advisors Limited is authorised and regulated by the Financial Services Authority.

Further consumer information is available from the Financial Services Authority via the following link: www.moneymadeclear.fsa.gov.uk

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

The Financial Services Authority does not regulate National Savings, taxation and trust advice, school fees planning and some forms of mortgage and offshore investments.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Past performance is not a guide to future returns and the value of investments, and any income from them can go down as well as up. You may not get back as much as you put in. Please bear in mind that for funds that invest in overseas markets, changes in currency exchange rates may affect the value of your investment.

Imperial Independent Financial Advisers Ltd. Registered in England and Wales No. 05274431. Registered office Imperial House, 94 Oakley Road, Southampton Hants SO16 4LJ