As financial and mortgage advisers, our success depends on building successful, long-term relationships with clients. Honesty, integrity, good service, and going the extra mile—these are the things we believe matter to you, and these are the guiding principles that underpin our approach to business.

As independent financial advisors, we are not tied to any particular provider and can advise you on products from across the whole market. I will always take a rounded view of the options, considering factors such as charges, customer service and financial resilience. 

This means we will offer the most suitable solutions for your individual needs and circumstances.

Fair Value

The Consumer Duty brings “fair value” of all products and services to the fore front of all that we need to do when advising customers. This means that not only products and funds need to deliver fair value but all Linkage Financial Solutions services too.

We have created fair value statements for the services we offer such as ongoing service and our advice fees.

We have been working behind the scenes to ensure that all products and funds that we use are offering fair value and providers and fund managers have to assess their own products and confirm these as fair value.

If a product is not deemed to be of fair value, the provider of the product must ensure this is no longer “on sale” so that it cannot be recommended to clients.

Currently, all products we use are of fair value.

Our fees depend on the tailor-made plan we design for you. We offer our initial telephone conversations and initial meetings at our own expense, so you’re not agreeing to anything before we are able to give you a final cost. This is because we don't know how complex your solution may be. 

Our fees are based on the amount you are investing and the solution you are investing in. Normally, this would be a percentage of your investment or an agreed-upon fee.  

You have the option to pay out of a plan you may be transferring or with a check from a personal account. We will explain what would be the best way for you to pay any fees to ensure you will have the best price possible and no extra costs. Most of our fees are paid monthly, directly from the investments.  

We always agree to any fees before we commence any work on your behalf and it doesn't matter what your decision is. 

We won't charge you to discuss your worries with us & to help you find a solution.