FAQs
If it’s on your mind, we’re happy to help. Here are the questions we get asked most.
Do you get commission?
We do not receive commission from any pensions or investment products. Some protection policies may include commission, but any such arrangements are fully disclosed to you upfront, so you are always aware of any payments involved.
Do you charge VAT?
No. Our financial planning services are exempt from VAT, so the fees you see are the fees you pay, with no additional tax applied.
How do I know if your fees are competitive?
We undertake regular market research and always aim to provide the best possible value for the fees we charge.
How do your fees compare to those of other advisers/planners?
We believe our fees represent excellent value compared with many of our peers. By operating a highly technology-focused business, we are able to streamline processes and reduce overheads, allowing us to pass on cost savings to our clients.
How can I find your fees?
You can find full details about our fees and how we charge on our fees page here. This includes information on initial advice fees, ongoing service fees, and any other relevant charges, giving you a clear understanding of the costs involved.
Can you help me retire early?
Yes. We can help you explore options for early retirement, assessing your current finances, future income, and investment strategy to determine what is achievable while balancing risk and long-term security.
Can you help me plan my retirement?
Yes. We provide comprehensive retirement planning advice, taking into account your pensions, investments, and lifestyle goals.
What type of clients do you typically work with?
We typically work with professionals, business owners, and families who are seeking peace of mind, clarity, and confidence with their finances. Our clients value working with a professional financial planner who understands their personal circumstances and can provide tailored advice to meet their goals.
Do you work with younger clients who are still building wealth?
Yes. We offer a digital service tailored for younger clients, as well as for the children and grandchildren of the families we work with. This approach helps those early in their financial journey to start planning effectively and build a solid foundation for the future.
Do you work with company directors or self-employed clients?
Yes, a key specialism for Cadence is our understanding of what it means to own, run, and sell your business.
Do you work with clients approaching retirement or already retired?
Yes. We provide guidance for clients nearing retirement or already retired, helping them manage their finances, maximise income, and maintain financial security throughout this stage of life.
Can you help clients who have inherited money?
Yes. We advise on how to manage and invest inherited wealth in line with your overall financial goals, taking into account tax considerations, risk, and long-term planning objectives.