We’re JBWM – How Can We Help?

We are Financial Advisers, fully qualified to advise on financial products from a range of providers.

We know that client’s financial needs and goals vary enormously.

That’s why JB Wealth Management Ltd offer a range of services designed to assist our customers through their various life stages, whether it’s:

  • Saving towards a child’s future
  • Managing investments
  • Securing retirement
  • Providing guidance to an increasing number of clients who have already retired.

We believe it is essential to get to know you and your objectives first and therefore we offer all of our clients the opportunity of a half hour informal discussion at our cost.

When we are clear about your current financial position and your aims, we use software to research the market on your behalf. We recommend products that provide best value and are relevant for your individual needs and we simplify the ongoing administration to save you time.

After the first free consultation there are three different options for the type of service we can provide: Transactional, Advisory or Wealth Management.

How do we charge for our services?

Our charges are discussed and agreed with you at the outset. Our advice is unbiased which means we provide advice on products from any provider across the market rather than being restricted to only one product provider.

Cost Outline

Actual costs vary and depend on the type of advice and services we provide. Before you commit to working with us, full details of our charges are outlined on a costs disclosure document which will issued to you separately.

The responsibility for giving the right advice is with us as the Adviser, not the employer. Our approach to charging is transparent. We will always tell you about any commission we earn, and it will be taken into account in working out any fee. If a fee is to be paid it calculated at a rate per hour based on the time we spend working for you.

Our fees will be discussed and agreed with you, no charges for fees will be made without prior notice in writing.

Commission

Commission is paid by providers on Protection products: Life Assurance, Death in Service, Private Medical Insurance (PMI) and Income Replacement. The latter is also referred to as Permanent Health Insurance (PHI). This option means that no fees are payable.

After the initial free consultation, we will agree with you how we are paid, either:

An hourly fee rate

Advisor remuneration paid out of the cost of certain financial products you purchase

Or a combination of fee and advisor remuneration