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How We Charge

We provide an independent advice service. This means that we will make a recommendation for you after we have assessed your needs. Our recommendation will be based on a comprehensive and fair analysis of the market.

Our fees are based wholly upon the provision of qualified and professional expertise, the time taken to analyse your circumstances and devise an appropriate strategy going forward, the design of an appropriate summary report to communicate this strategy to you, and also takes into account of our firm’s exposure to regulatory, commercial and financial risk.

Initial Charges

Where you have purchased a product you usually have the option of paying our adviser initial charge by a single deduction from the product. You may also settle our adviser initial charge by way of a single payment either by cheque or bank transfer directly to us. In the case of regular premium products, you may have the option of paying our adviser initial charge over an agreed period of time within 12 months of our advice.

Ongoing Management & Servicing Charge

The ongoing service charge is usually paid by way of a deduction from your investment. Where this is not available, you can pay by direct payment from you under a bank transfer, direct debit or standing order, usually as a monthly or quarterly payment schedule in advance.  The amount we receive will increase if the investment value increases and reduce if the investment value falls.


For any aspects of our services we carry out, either initial and/or ongoing servicing, all charges and fees will be fully disclosed to you. We will not charge you until we have agreed the work to be carried out, discussed your payment options and agreed with you how we are to be paid. We will also let you know if there are any other costs that might arise in connection with the services we provide to you.


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Hamblin-Martin Financial Ltd is an appointed representative of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority.
Hamblin-Martin Financial is entered on the FCA register under reference 711323.

Hamblin-Martin Financial Ltd. Registered in England No. 9630529. 
Best Practice IFA Group Ltd. Registered in England No. 0449063.