ࡱ> jlghi7  bjbjUU .p7|7| lbbbbfffz8<zC22225C7C7C7C7C7C7C$`E G[Cf"bb22pC|b2f25C5C(6<Jf>2 rz.O=>C0C=HH>zzbbbb about the cost of our services  Michael Williams Financial Services Ltd Last updated 6th April 2007 15c Vine Street, Evesham, Worcs. WR11 4RE The Financial Services Authority (FSA)The FSA is the independent watchdog that regulates financial services. This document is designed by the FSA to be given to customers considering buying certain financial products. You may use this information to compare value for money, to shop around and to decide which firm to use.Our services  We offer an initial discussion (without charge) when we will describe our services more fully and explain the payment options. If you decide to go ahead, we will: gather and analyse personal information about you, your finances, your needs and objectives; recommend and discuss any action we think you should take and, with your agreement, arrange relevant investments for you.] What are your payment options?  Not all firms charge for advice in the same way. We will discuss your payment options with you and answer any questions you have. We will not charge you anything until you have agreed how we are to be paid. We have ticked the payment options we offer. Paying by fee. Whether you buy a product or not, you will pay us a fee for our advice and services. If we also receive commission from the product provider when you buy a product, we will pass on the full value of that commission to you in one or more ways. For example, we could reduce our fee; or reduce your product charges; or increase your investment amount; or refund the commission to you.   Paying by commission (or product charges). If you buy a financial product, we will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product providers own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.  How much might our services cost?  If you choose the fee option We will agree the rate we will charge before beginning work. We will tell you if you have to pay VAT. Our typical charges are: Principal/Director/Partner 85 - 125 per hour Financial adviser 85 - 125 per hour Administration 10 - 15 per hour You may ask us for an estimate of how much in total we might charge. You may also ask us not to exceed a given amount without checking with you first. If you choose the commission option Tables 1 and 2 show examples of the amounts of commission we could receive (or the equivalent we earn through product charges) and compare those amounts with the market average (see notes 1 & 2 at the end of this section 4). The amounts vary according to: the type of product, the amount you invest, and (sometimes) how long you invest for, or your age when you start the product. We will confirm the actual amount to you before you buy a product. Table 1 - Commission if you invest monthly Monthly ProductsExample Term or AgeComparison of CostsAn example based on 100 per monthOur MaximumMarket AverageThis shows maximum costs of our sales and advice for a monthly investment or premium of 100, ignoring any changes to fund valueSavings and Investments Collective investments (e.g. unit trusts) Any26.2% of the first 12 month's payments plus 0.5% of your fund value each year from year 111.9% of the first 12 month's payments plus 0.5% of your fund value each year from year 1314.40 initially plus 6.00 in year 1, 12.00 in year 2, and so on (The actual amount in later years will vary in line with your fund value)Endowments10 Year Term53.4% of the first 12 month's payments40.7% of the first 12 month's payments640.80 initiallyProtectionWhole of life assuranceAge 40135.8% of the first 12 month's payments plus 2.5% of all payments from month 4995% of the first 12 month's payments plus 2.5% of all payments from month 491629.60 initially plus 30.00 each year from month 49Saving for retirement Personal and Stakeholder pensions 10 Year Term40.7% of the first 12 month's payments plus 2.5% of all payments from month 1213% of the first 12 month's payments plus 2.5% of all payments from month 12488.40 initially plus 30.00 each year from month 12Personal and Stakeholder pensions 25 Year Term 60.6% of the first 12 month's payments plus 2.5% of all payments from month 1221.9% of the first 12 month's payments plus 2.5% of all payments from month 12727.20 initially plus 30.00 each year from month 12Personal Pension Schemes Not all types of personal pension schemes are included in the information above about commissions. Instead only the more common types are included, and schemes such as SIPPs are not. Before we start advising you, we will inform you of how much we could be paid if we do recommend one of these products to you. You can also ask us about commission we might receive on underlying investments we recommend you hold within a SIPP if not contained in the information above. Table 2 - Commission if you invest a lump sum Lump sum ProductsExample Term or AgeComparison of CostsAn example based on a 10,000 lump sumOur MaximumMarket AverageThis shows the maximum costs of our sales and advice for a lump sum investment of 10000, ignoring any changes to fund valueSavings and investmentsCollective investments (e.g. unit trusts)Any5% of the amount you invest3.9% of the amount you invest500.00Investment bondAny6% of the amount you invest5% of the amount you invest600.00Saving for retirementPersonal and Stakeholder pensions  Any5% of the amount you invest5.3% of the amount you invest500.00Personal Pension Schemes Not all types of personal pension schemes are included in the information above about commissions. Instead only the more common types are included, and schemes such as SIPPs are not. Before we start advising you, we will inform you of how much we could be paid if we do recommend one of these products to you. You can also ask us about commission we might receive on underlying investments we recommend you hold within a SIPP if not contained in the information above.Income drawdownAny6% of the amount you invest5% of the amount you invest600.00At retirementAnnuitiesAny3% of the amount you invest1.3% of the amount you invest300.00Notes: The market average figures are calculated by the FSA using actual data from a representative sample of regulated firms and are shown in a way that you may compare with our own maximum rates. The market average figures will be updated by the FSA from time to time based on new data. Where a firm sells its own products it must calculate its figures according to FSA guidelines. Further information If you need any more help or information ask your adviser; or visit  HYPERLINK "http://www.fsa.gov.uk/consumer" www.fsa.gov.uk/consumer.     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