Our Charges

At Independent Advisers (Scotland) Ltd we charge by the years of experience and not by the hour! The talent and experience of our team is used to add value to our services. To illustrate this further here is a reference to a story about Picasso:

A woman was strolling along a street in Paris when she spotted Picasso sketching at a sidewalk cafe. The woman asked Picasso if he might sketch her, and charge accordingly. Picasso obliged. In just minutes, there she was: an original Picasso.

"And what do I owe you?" she asked.

"Five Thousand Franks," he answered.

"But it only took you three minutes," she politely reminded him.

"No," Picasso said. "It took me all my life."

For a fixed fee of £297 we will provide full financial review and summarise on your
current financial position. In addition:

Provide current valuations on existing arrangements and projections to maturity.

Provide any existing life assurance (including any provision under employers scheme) details and identify if any savings can be made.

Highlight any shortfalls and recommend appropriate solutions. To include Income Protection, Critical illness cover, Health Insurance.

Retirement Planning - if you are employed provide a statement on current position and what you can expect to receive at retirement. Check your fund choice and explain your investment options.

If you are self-employed provide you with current valuations on any existing personal pension arrangements. (For an additional charge we can also review any existing employers scheme that you have preserved benefits with).

This is an extremely important area bearing in mind changes in pensions legislation which comes into effect from April 2006.

Provide you with information on your current Mortgage Liability and identify any savings that can be made.

Up to 40% of your assets could be at risk to Inheritance Tax* without proper tax and trust planning.

Additional Fees May Be Payable

If you require a full written report and recommendations Full information will be provided on your financial position and how to maximise your investment and minimise any potential tax.

If your Investment Portfolio is over £100,000 and you require specific advice on risk management and tax planning that includes a Portfolio Planner.

If you require specific recommendations on Estate and Inheritance Tax Planning to suit your requirements.

**Bespoke tax planning vehicles such as Venture Capital Trust and Enterprise Investment Schemes that require a more detailed review of your income and capital assets.

Client Service Fees

A client retainer service is also available depending on complexity and requirements of ongoing service (please refer to additional notes).

Please refer to key facts about the cost of our services.

*Not all tax planning is regulated by the Financial Services Authority
**The Financial Services Authority do not regulate Venture Capital Trusts
and Enterprise Investment Schemes.