We offer an initial discussion (without charge) when we will describe our services more fully and explain the payment options. If you decide to proceed 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. 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. This can either be by paying a fee, by commission or a combination of both.