FEES

Our principal David Mulholland is a Chartered Financial Planner. Only a small percentage of advisers in the UK have achieved this status. Chartered status is the pinnacle for the financial planning professional.

We believe this extends to how we are remunerated and treating customers fairly.

HOW WE ARE PAID
After your initial meeting with our adviser David Mulholland we will provide you with a 'service and payment agreement'.
DM Financial Solutions work on a fee basis and offset commission where available. This ensures there is no commission bias and we earn the same remuneration no matter what provider or product we recommend.

Our remuneration is normally agreed on a fixed amount so you know from the outset what costs are involved.
We deduct commission paid by the product provider from our costs so you only pay the 'net' amount. For example, if our remuneration has been agreed at £900 and the commission generated was £700 you would pay a cheque to DM Financial Solutions for the difference which would be £200. (net fee)

In the majority of cases the commission generated covers the bulk of costs.

There are circumstances where the commission can exceed the fee agreed. In these situations we will normally return the excess back into your contract to enhance the benefits provided or to reduce the policy charges.

We believe this is the most ethical and impartial way to work for our clients. It removes the worry that some clients have that an adviser (or salesperson) may only be interested in earning the most commission.

To find out how we can help or arrange a home visit please contact us on 01698 815006

We pride ourselves in giving our clients a first class service and independent financial advice they can trust. Our CUSTOMER COMMENTS speak for themselves.