01343 552900 ifa@blackdogifa.co.uk

Services & Cost


Savings, investments, Black Dog Financial Services Ltd

Our Fees

At Black Dog Financial Services Ltd we will provide you with an initial consultation at no cost, without obligation.

Payment for the services we provide are arranged through fees (either paid direct from yourself, from the product provider, or by a combination of both). We will discuss your payment options with you and answer any questions you have.

The amount will depend upon individual circumstances and will be confirmed with you at the outset before we carry out any work on your behalf.

We are happy to send you a copy of our  ‘Terms & Conditions of Business & Client Agreement’.
All these options we offer will of course be fully discussed
with you before we accept your instructions to conduct your business.

Independent financial advice and what it means to you

The Retail Distribution Review came into force on 1 January 2013, and since that time the advice a financial services company can give has fallen into 2 areas, namely Independent Adviceand Restricted Advice.

Black Dog Financial Services provides Independent Advice to all our clients.

This means that we provide advice which is based on a comprehensive and fair analysis of the relevant market, which is both unbiased and unrestricted. In other words no restrictions are placed on our ability to provide a retail investment product as a solution that is in the best interests of our clients.

“This new standard for independent advice is intended to ensure that such advice is genuinely free from bias towards particular solutions or any restrictions that would limit the range of solutions that firms can recommend to their clients.”
Source FCA Factsheet

Restricted Advice is where a firm can only provide advice on a limited range of products and providers.

The suitability requirements set by the Regulator still apply, and firms who provide restricted advice must not recommend a product on a ‘nearest fit’ basis from the range of restricted products or providers they offer, if the product is not suitable for the clients’ needs.

“The Financial Conduct Authority does not regulate Will Writing, Tax Advice, Offshore Investments, and Estate Planning”.
“Level and bases of, and reliefs from, taxation are those currently applying but are subject to change and their value depends on the individual circumstances of the investor. The value of investments can go down as well as up, as can the income derived from them.
Past performance does not guarantee future growth or income and you may not get back the full amount invested.”
Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
website: www.financial-ombudsman.org.uk
email: complaint.info@financial-ombudsman.org.uk
phone: 0800 023 4567 or 0300 123 9123
IFA logo
Black Dog Financial Services Ltd is authorised and regulated by the Financial Conduct Authority
Registered in Scotland No.265100. Registered Office – 35 Moray Street, Elgin, Moray, IV30 1JH.