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How we do it step by step guide

As Independent Financial Advisers we are free to advise on financial products available from all product providers.

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We recognise that every client’s circumstances are different and our fees reflect that. Our aim is to ensure our financial planning charges are clear, transparent and fair. 

Simple fee structure

Many financial advisers bundle their fees, making it difficult to distinguish where charges apply. You may only pay a fee if you buy a product with them, but often they’ll add exit fees, effectively tying you in. 

At Ermin Fosse, we like to keep things clear. We make sure you know exactly who is paid what, for which services, and we will never charge you a fee when you sell your investments. The advice you receive from us is completely independent and free from product bias. We will never ask you to pay a charge until it has been fully explained to you and we will always ensure you understand exactly where your fee is going. 


A clear charging structure

Our first meeting gives you a chance to get to know us, and allows us to understand your financial circumstances, needs and ambitions. There is no cost to you and you’re under no obligation to commit to using our services. 

Once your financial adviser has established how you’d like us to work for you, we’ll provide you with a breakdown of our charges, split into the stages of the advice process.


a.    Initial advice – typically a set fee based on the complexity of the work involved and the time needed to prepare and present your personalised financial plan.

b.    Implementation – this fee is usually based on a percentage of the assets you’re investing and depends on where the money is coming from, your chosen investment products, the amount you’re investing and the size of portfolio you hold with us. 

c.    Ongoing management – for our ongoing service and management of your Ermin Fosse portfolio, we charge a fee based on a percentage of your investments.

We don’t expect to be the cheapest or the most expensive on the market, but with Ermin Fosse, you can be confident the financial planning services you receive are excellent value for money.

Legal Information

Clients are at the heart of our business and delivering an outstanding service at all times is what we strive to do. However, we recognise that from time to time our clients may have cause to make a complaint.

We are committed to dealing with complaints effectively and fairly in accordance with the Financial Conduct Authority's complaint handling rules and guidance. If clients have a cause to complain, a dedicated complaints handler, focused on ensuring that the clients are treated fairly during the process, will deal with the complaints.

If our clients are not satisfied with the outcome of their complaint, they will have the right to refer it to the Financial Ombudsman Service, free of charge, at The Financial Ombudsman Service, Exchange Tower, London E14 9SR, or by going to their website.

The FCA requires that certain information be provided to the client prior to business being transacted so that the relationship between the client and the firm is clearly stated and understood.

Please download and read the client agreement document if you wish, which is provided in Adobe Acrobat format.

Terms of Business
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