Two people shaking hands

How the advice works

The first two steps are at no cost to you, and you can stop after either one.

Get a complimentary health checkTalk to an adviser

You see the recommendation and the price in pounds before anything is arranged, moved or bought.

The six steps

  1. 1

    We have a first conversation

    Your first call is with an Account Manager and is at no cost to you. You tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write. We say whether we can help.

    At no cost to you
  2. 2

    We find everything you hold

    This is the health check, also at no cost to you. We spend about an hour going through your pensions, savings, investments, mortgage and cover, chase down anything missing, and write up what each is valued at today.

    At no cost to you
  3. 3

    We research the options

    We spend a week or two comparing what is available across the market against what you have told us you want, and testing the scenarios that matter to you. This is the first work you pay for, and we agree the price before starting.

  4. 4

    We talk you through the recommendation

    We meet for as long as you need and go through what we suggest, what it costs in pounds, what could go wrong with it, and what happens if you do nothing. You get time to go away and think.

  5. 5

    We set the plan up

    This can take a few weeks. We handle the applications, deal with the providers and chase the slow ones, and tell you where things have got to.

  6. 6

    We review the plan every year

    If you take ongoing advice, we review the plan every year, and sooner if you change jobs, move house, inherit, get ill or sell a business. Ongoing advice is optional and you can stop it.

At no cost to you, and you can stop after either Chargeable, and priced before it starts

What the advice costs

Steps one and two
At no cost to you.
An agreed fee
We agree a fixed amount for a stated piece of work. This applies to much of our planning work.
Commission from a lender or insurer
For mortgages and protection, we may be paid by the lender or insurer through commission. We will explain how we are paid and any fee you may have to pay before you proceed.
A percentage of the amount
For some investment and pension advice, our charge may be calculated as a percentage of the amount invested or transferred. We will show you the actual charge in pounds before you proceed.
Ongoing advice
Ongoing advice is optional, and the charge stops when you stop it.
When you pay
You pay after the advice is agreed, and only an amount you have already seen.

Questions people ask us

How long does the advice take?

It depends mostly on how quickly providers send information about what you already hold, which is largely out of our hands. Your adviser tells you what to expect once they can see what you hold.

Do I have to take all of it?

No. You can come with one question and stop once it is answered.

Can I stop after the health check?

Yes.

Can I stop ongoing advice later?

Yes, whenever you want, and the charge stops with it.

Who gives the advice?

Buzz Financial Services is a trading style of Equity & General Financial Services Limited. You can look the firm up on the Financial Services Register under number 474163.

How much does a financial adviser cost?

Advice is paid for by an agreed fee, by commission, or as a percentage of the amount invested. The full answer.

What happens at a first meeting with a financial adviser?

The first conversation is about you, and no advice is given on that call. The full answer.

Talk to an adviser

Your first call is with an Account Manager and is at no cost to you. Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write.

Call 020 8396 0486