Orchard House (IFAs) Ltd

Orchard House (IFAs) Ltd offers its clients a choice of payment options, discussed in full at your initial consultation. A brief summary of these options is as follows:

Commission Based Advice

This is the method that the majority of our clients prefer and it is therefore the basis upon which we normally operate. The initial consultation is provided free of charge and from there we will discuss and agree any work to be carried out on your behalf. Should our work result in you taking out some form of investment, pension or other type of policy through us, we will receive commission by the provider that we recommend. You will always be informed clearly of the amount of commission payable prior to you going ahead with any transaction. In the case of larger transactions, we often discount the commission taken thereby enhancing your investment.

In the event that the commission receivable does not cover the costs incurred for work undertaken, it may be necessary for us to charge you an additional fee. Should this be the case, we will let you know well in advance and agree the amount of any fee with you prior to the work being undertaken.

Fee Based Advice

If preferred, we are happy to work on a fee only basis. This means that we will not receive commission from any providers for products effected through Orchard House (IFAs) Ltd, but instead we will charge you a fee to cover the cost of the advice given. Once again, the initial consultation is free of charge, although fees will be payable for subsequent meetings and any future reviews that you would like us to undertake on your behalf. Our fees can either be charged hourly or based upon a set amount for the work being undertaken. This will be discussed in detail at our initial meeting and you will know in advance of any chargeable time being spent.

For more information on how we are paid, please refer to our Key Facts about the cost of our services, available from the Legal Declarations section.