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How We Are Paid

How We Are Paid For Mortgages

In normal circumstances King Associates would charge an arrangement fee of £295 which covers the placing, arranging and production of the mortgage offer. Thereafter we will be paid a procreation fee by the lender on completion.

How We Are Paid For Financial Planning Advice

Our first meeting with a prospective client is to establish whether we are able to meet their financial planning needs and objectives, and to discuss how we may be paid for our services should be asked to undertake any further work. There is no charge for this initial meeting, and no obligation on either side.

We have already adopted a policy of Customer Agreed Remuneration which will become mandatory in financial services on 1 January 2013. This means that we will agree upon the fee payable for financial advice and implementation, whether it is to be a fixed price or a percentage of an investment, and this can be paid separately or deducted from the amount invested in a product.

Occasionally we may be asked to work on an hourly fee basis, the rates for different levels of advisers and administration staff will be notified before proceeding.

If we are required to implement any financial plans on behalf of a client, our current understanding is that VAT is not payable on fees charged. Where we simply provide a planning report VAT could be charged at 20%.

Non investment products i.e. protection can see a combination of fees and commission which may be agreed if the amount of commission is insufficient to pay for the work carried out on behalf of the client.

Group personal pensions will be a matter of discussion and agreement, no charges will be made without prior notification in writing. Consultancy charges normally apply.

Where Your Money Goes - for every £100 of fees paid to us, the cash is split as follows:

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The Value of Financial Advice

Company address:
Twigden Asset Management Ltd, King William House, 46 Harpur Street, Bedford, Bedfordshire, MK40 2QT
T: 01234 270074
F: 01234 327331

Email: debbie@twigdenasset.co.uk

Registration address as company address
Registration number: 4691087
Registered in: England & Wales

Twigden Asset Management Ltd is authorised and regulated by the Financial Conduct Authority.

Twigden Asset Management Ltd entered on the Financial Services Register (www.fca.org.uk/register) under reference 223678.

The information contained in this web site is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Please note that the information contained within this web site does not represent individual financial advice. If you require advice or further information this may be obtained by contacting Twigden Asset Management Ltd.

FCA does not regulate some forms of IHT planning.

Your home may be repossessed if you do not keep up repayments on your mortgage, think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of investments can fall as well as rise. Past performance is not a guide to future performance.

If you are unhappy with the service you have received or a product we have arranged on your behalf, a copy of our complaints procedure, which sets out how we will handle your complaint, is available upon request. If we are unable to settle your complaint or you are unhappy with our response, you may be able to refer it to theFinancial Ombudsman Service (FOS).

Further information about the Financial Ombudsman Service (FOS) is available from their website http://www.financial-ombudsman.org.uk

Telephone: 01234 270074 | debbie@twigdenasset.co.uk

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