At Shoal we believe that you should receive value for money.

Our charges will be discussed  before we start any work for you and will reflect the nature and complexity of the advice given. 

Our charges will vary depending on whether you require one off advice or if you want regular reviews of your financial plan and investments. Either way our charges can be paid directly by you or offset by commission.

In every instance we promise not to let the commission available influence our decision. If any excess commission is generated then we will use this to your benefit. Whether this is by reinvesting the commission back into your plan or using it offset future advice.