Sense Financial Solutions - More information

How we work

We offer all prospective new clients a free, no obligation, one hour initial consultation.  The purpose of the meeting is to establish how we can assist in helping you to achieve your financial goals and objectives.  We will undertake a preliminary review of your financial situation and establish a realistic assessment of what you need to do.  We will also discuss with you how we can be paid for work that we agree to do and give you the opportunity to appoint us.

If you decide that working with Sense Financial Solutions is the best way forward, we will either carry out a full financial review of your situation, including protection and pension arrangements, savings, investments and estate planning matters or we will undertake specific work that you request us to do. This could involve a review of your current arrangements and circumstances in relation to particular issues you feel require attention or could involve your entire financial situation.

Our emphasis is on providing specific advice to meet your needs and we will only recommend products and providers from the whole marketplace after evaluating all the options available.  Once you have considered the recommendations, we will agree with you an implementation programme and take care of all administrative matters including liaising with existing providers on your behalf.

Once your plans are in place we will provide ongoing support in the form of regular reviews and meetings. An ongoing relationship with our clients has always been integral to the way we work, as we believe that it can add significant value to both individuals and businesses.

How we are paid 

Most of our work is done on an agreed fee basis and will be a matter of discussion and agreement at our first meeting. The fee can be paid to us directly or we can arrange for it to be paid by the product provider from any business we place for you. No charges for fees will be made without prior notification in writing.

Protection products such as life assurance and income replacement continue to pay commission. The amount and how it is paid to the adviser varies and is dependent upon the type of product. We will reflect this commission in the fees we charge. Occasionally the commission will be more than appropriate and in these circumstances we will rebate a proportion of the commission back into the product or agree a fixed fee for the work.
Many of our clients have chosen to work with us on a retainer basis where, for a fixed annual/monthly fee, they receive regular reviews, advice and formal meetings. 

In servicing our clients' arrangements it is sometimes necessary to carry out work which goes beyond that of a normal review. In these cases, we would agree with you a fixed fee or hourly rate for undertaking the work on your behalf. An invoice would be usual on completion of the work. 

We will always discuss your payment options with you and answer any questions you may have. Our client fees are agreed in advance, clear and easy to understand. Details of our fees structure can be found in the our "At your service" document