When appointing a financial organisation to help with your finances, you need to know exactly what you are getting and at what price. The objective of this section is to give you an idea of what to expect from Sterling Financial Services, but bear in mind that everyone is different and more specific or specialist advice may be charged differently. We will always tell you how much you will be charged before we undertake any work and we will take necessary steps to minimise charges where we can.
Financial organisations operate in a variety of ways and we are paid differently depending on the type of product or service that it is ultimately purchased.
When purchasing an investment or SIPP through us, or using a similar service from an alternative provider, you will find that charges can be broken up into three categories, namely the fund manager, the administrator and the broker (Sterling). The charges associated to the fund manager normally remain the same, but the administrator and the broker will vary their charges to reflect the level of service required of them.
Sometimes additional services will be bought in – these are normally discretionary or pension trustee services. They will increase the cost of the transaction, but can also increase performance or flexibility.
In terms of life assurance products, we are often remunerated by way of a commission, which is fully disclosed to you. The amount paid depends on the premium and the period of assurance (the term). Discounts are available if life assurance is purchased online without advice.
You need to decide what level of service you require, which will depend on how financially aware you are and the level of work that you are prepared to undertake yourself.
Please bear in mind that charges are typical and in broad terms. Sometimes the charges will be slightly higher or lower depending on the exact nature of your requirements. The objective of these pages is to give you a good idea of what to expect. A full and accurate quote will be provided before you proceed.
Services available through Sterling Financial Services, in terms of investments and pensions, are split into three main categories: click on the links to the left for further information.
A1 Web Links -
http://www.feeds4all.nl
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