Although A P Financial Planning Services offers a comprehensive advisory service, we realise that there are those people who know their own minds and would prefer to simply instruct us to arrange a policy for them which they have decided upon themselves. People are certainly becoming more financially aware and there are numerous examples of companies which now offer products on the basis that no advice has been given. Although we would always advocate that comprehensive financial advice be sought which embraces all of your current circumstances and aspirations, we are prepared to transact business on your behalf on an 'execution-only' basis and rebate 75% of the commission which would otherwise have been paid to us either back to you in the form of a cheque (which must be declared to H M Inspector of Taxes as gross income) or back into your policy. In the case of pensions, due to Inland Revenue regulations, we are not able to make a cheque refund of the commission and the amount which we sacrifice must be used to enhance the policy benefits. Obviously, it is more cost effective for you if this approach is also adopted for investments.

 

Our regulators clearly define what is meant by 'execution-only' and we will not be able to give any advice whatsoever. This type of arrangement is therefore only suitable for those people who know exactly what type of product they require - including the provider, the type of fund, the term of the policy, etc.

 

PLEASE BE AWARE THAT IF YOU ASK US TO DEAL WITH SOMETHING FOR YOU ON AN 'EXECUTION-ONLY' BASIS, YOU WILL BE GIVING UP ALL OF YOUR RIGHTS TO THE FINANCIAL SERVICES COMPENSATION SCHEME AND THE FINANCIAL OMBUDSMAN SERVICE.

 
The response form below will enable us to forward a quotation and application form to you. You are required to read our Terms of Business on this website before proceeding. You can print out our Terms of Business from this site or we can forward a hard copy, by post, on request.

 

Initial commissions paid by insurance companies to A P Financial Planning Services will be reclaimed in the event of premiums ceasing within a specified time. This can be as long as four years for certain types of policies. A P Financial Planning Services reserves the right to reclaim from you commission which has been charged back by the insurance company in the event of the premature termination of a policy and your acceptance of our 'execution-only' terms is deemed to be your confirmation that you will repay unearned commission to A P Financial Planning Services on demand should these circumstances arise. Should such reclaimed amounts not be repaid on demand, legal action for the recovery of the amounts in question, plus costs, will be commenced.

 
A P Financial Planning Services reserves the right to refuse to transact business on an 'execution-only' basis at any time, particularly if there is evidence of the fact that full financial advice has previously been sought from ourselves or another financial adviser.

 

Please click here to confirm that you have read, understood and agree to be bound by these terms. If any further clarification is required regarding how this execution- only/rebated commission service operates, please e-mail us and we will be pleased to answer any questions.'