• The initial consultation is provided at our expense.
• Details of our fees will be provided at the end of the initial consultation.
• Our fees are based on the time we spend working on your behalf, and the expertise and experience of the financial planners involved.
• Most clients use our ‘review service’ to keep on top of their financial affairs. The ‘review service’ is paid from a percentage of funds under management or by a set amount per month.
• Once agreed, fees will be confirmed in writing and invoiced directly.

The services IDFM provide are as follows:

• Life Planning

Specific 'life planning' services and one-off planning projects are generally instructed on a case-by-case basis, for example:

• Lifetime cashflow planning report
• Lifetime cashflow planning annual review
• Specific event planning
• School fee planning
• Retirement Planning
• Inheritance tax planning

Fees for specific financial planning are agreed between you and IDFM once the scope of the work has been agreed prior to work being undertaken.

• Financial Planning

Specific 'financial planning' services and one-off planning projects are generally instructed on a case-by-case basis, for example:

• Shortfall analysis (Protection/Retirement Planning/Investment Planning.
• Research & analysis
• Implementation of solution

Fees for specific 'financial planning' services are agreed between you and IDFM once the scope of the work has been agreed prior to work being undertaken.

• Wealth Management

Specific 'wealth management' services and one-off planning projects are generally instructed on a case-by-case basis, for example:

• Risk analysis.
• Asset allocation report.
• Fund selection.
• Analysis of existing portfolio.
• Implementation of solution.
• Annual review of portfolio.

Fees for 'wealth management' services are agreed between you and IDFM once the scope of the work has been agreed prior to work being undertaken.

• Tax Planning

Specific 'tax planning' services and one-off planning projects are generally instructed on a case-by-case basis, for example:

• Analysis of potential tax savings.
• Research & analysis
• Implementation of solution

Fees for specific 'tax planning' are agreed between you and IDFM once the scope of the work has been agreed prior to work being undertaken.

• Review Service
• 'Review service' is paid for from the assets under management or regular monthly payment.
• 'Review service' is detailed in the '12 Point Review'.
• Fees for the 'Review service' are agreed between you and IDFM once the scope of the work has been agreed prior to work being undertaken.
• Mortgage Services

Specific 'mortgage services' and one-off planning projects are generally instructed on a case-by-case basis, for example:

• Research & analysis
• Implementation of solution

Fees for specific 'mortgage services' are agreed between you and IDFM once the scope of the work has been agreed prior to work being undertaken.

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

We will only accept work on the basis that we expect our fees to be good value for you, and that, in due course, the value will clearly be demonstrated. This value is likely to come both from actual cash savings made, and from the peace of mind of knowing that your financial affairs are under control and well organised.

Financial savings in this respect can usually be quantified by a combination of the following:

• Potential portfolio outperformance.
• Tax saved.
• Discounts achieved or commissions reinvested or offset, or other types of saving.

Peace of mind and positive feelings about your finances are less easy to quantify, but some of the benefits that we envisage include:

• The feeling of being well organised and in control
• Having a trusted adviser who is not motivated by product sales
• Having someone to push you to get things done and to proactively raise issues with you
• Having us take action on your behalf, as appropriate, and free you from worry
• Knowing that we are researching investment markets and making appropriate recommendations
• Having a co-ordinated financial strategy and review process
• Time saved dealing with your finances

We believe our approach to our 'Client Review Service' could be of immense benefit to you and your family so please contact us to arrange a Discovery Meeting with a Planner.