Who we are

Directors
Sid Court		Neil Marshall
Karl Guadagnini		Ian Tagg
Nick Manders
Associate Director		Estate Planning Consultant
Simon J Welch		Howard Whitehurst

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.

If you decide that working with Sense is the right thing to do then 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.

Our emphasis is on providing specific advice to meet your needs and we will only recommend products and providers 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.

How we are paid

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

Financial services products normally generate commission.  The amount and how it is paid to the adviser varies dependant upon the type of product.  Sometimes it is paid when the business is placed and sometimes over the life of the product.  It can also be a combination of the two.

In the majority of cases the commission generated is appropriate remuneration for the work undertaken.  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.

In servicing our clients’ arrangements it is often necessary to carry out work that does not generate commission and in these cases we would agree with you a fixed fee or hourly fee rate for undertaking the work on your behalf.  An invoice would be usual on completion of 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.

This website is intended for investors over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct investment business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide as well as possible areas of clients’ financial planning needs. We hope they are helpful to you but they do not, on their own, add up to proper investment advice and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. They are not detailed or comprehensive enough to enable you to make an informed decision which is tailored to your circumstances and needs. Please contact us now for tailored advice.