How We Charge

At SMC Financial, we are happy to cover the cost of the initial consultation and make it clear you are under no obligation for this first meeting.  This will allow you time to feel confident there will be value in us working together to achieve your goals.

We aim to be as transparent about our fees as possible and will clearly explain the different ways in which we are remunerated. This is so you can be clear what is involved before you instruct us to act on your behalf.

How It Is Done

Client Agreement - SMC Financial

Client Agreement

We will always provide you with a copy of our client agreement which includes how we work, who we are regulated by and what typical costs you can expect to pay. These act only as a guideline and a more specific figure on fees will be provided once we know your circumstances and how much work is likely to be involved. Examples of any initial fees can be found within this document.

Service Agreement - SMC Financial

Service Agreement

In addition to our client agreement SMC Financial will provide every client with a copy of our ongoing service agreement. This document clearly shows the options available for our investment and pension clients. This is personalised based upon how much ongoing advice, support and involvement you need from us. Again this is totally dependent on your individual circumstances and requirements.


"Not only is he switched on with regards to all the latest happenings in the financial world but is a genuine nice guy... A pleasure to deal with"

Terence Jones - Wirral

"Nothing is too much trouble to him. He has your interests at heart"

Mark Benson - Liverpool

"Superb service, really friendly and professional. Couldn't fault him at all"

Jackie Penny - Kent

"Sean is very knowledgeable and I would highly recommend him for your financial planning matters"

Andrew Groom - Liverpool

"I have tremendous faith in Sean and his ability to complete the task in hand even through the difficulties we had with my original pension provider"

Allan & Christine Hall - Merseyside