This advisor has been giving retail financial advice for 32 years. This means that often, like a General Medical Practitioner, we recognise certain symptoms immediately. This will not involve us in great analysis or rocket science. Because we do not believe in exposing you to more risk than you are comfortable with, or in "locking" you into a long-term plan with expensive exit penalties, we can keep it very simple. Basic advice is therefore given freely and willingly. Very in-depth advice such as estate or tax planning is available for a reasonable fee.

In the rare circumstance when we may not know the answer to a question posed, we have at our disposal a small army of fellow professionals who are available to help you.

Making the Investment itself
In the first instance e-mail us with as much information as possible on your circumstances and criteria. If you miss something we need, we will ask you. We will assist you with making your decision by keeping you informed of everything that you need to know and substantiating this. When your decision is made, you will be sent application forms by email or directed to where you can download them. Full assistance will be rendered with regard to completing and returning these forms together with any anti-money laundering compliance requirements.

Getting the rebate
We recognise the fact that you can go direct to the providers themselves. However, as the providers rely on intermediaries such as Offshore-Rebates.com to sell their products for them, they will not undercut what the basic cost including the broker's commission is. They simply retain this margin for themselves, and they give no advice. When a broker introduces business it generates a commission and this, the broker can do with as he wishes. We chose to give a large portion of ours back to you. This means it is usually cheaper to do business with us than it is to go direct.