How We Are Remunerated 

At F G Watts Financial Advisers, we prioritise transparency and open communication in all our dealings, including our payment process.  

Here's how it works: 

Initial Consultation - No Obligation, No Cost 

When you reach out to us, we schedule an initial meeting at a location of convenience—our offices, your home, or your workplace.  

This meeting serves two primary purposes: 

This initial consultation is free of charge and entails no obligation from either party. 

Transparency in Fees 

Previously, financial advisers could be paid commissions based on a percentage of the premiums payable or sums invested. However, regulatory changes introduced as part of the Retail Distribution Review, effective from 31 December 2012, no longer permit this for investment-related products. 
We will clearly explain the cost of our advice and agree on how you will pay for it. Our fees are usually calculated based on the time spent on the work and its complexity. Depending on the type of work, fees may be subject to VAT at the prevailing rate. 

Prior Notification of Charges 

We believe in transparent and open communication. Therefore, we will discuss and agree on the fees before making any charges. You will always receive prior notification in writing. 

Ready to Discuss Your Options? 

If you need further information or wish to discuss the best financial options, don’t hesitate to get in touch. You can contact us on 01604 973400 or send an email to Our team of expert advisers is ready to assist you.