grayside financial services


Grayside Financial Services is a trading name of Fairstone Financial Management Ltd


Independent financial advice | 01372 726162

grayside financial services
Grayside Financial Services is a trading name of Fairstone Financial Management Ltd

Independent financial advice | 01372 726162

Independent financial advice
01372 726162


Grayside Financial Services is a trading name of Fairstone Financial Management Ltd

How we are paid

Financial Advice
On receiving an enquiry, Grayside will arrange an initial meeting. The purpose of this meeting is to find out whether we can help you in achieving or moving towards your financial goals. There is no charge for this first meeting and no obligation on either side.

During the initial free, no obligation meeting, Grayside will assess your requirements and you will be given clear information regarding the type of advice and level of service provided by the adviser and an approximation of the cost. An exact cost would be available shortly after the first meeting, following further research and analysis.

There will always be a cost for the advice you receive, as like any other business arrangement, you are benefiting from the company's expertise. Clients pay for advice in two main ways:

Fees
Since 31st December 2012, it has been a regulatory requirement that the cost of all investment and pension advice be based on a fee rather than commission. No fees are ever charged without your prior knowledge and agreement.

Commission
Commission is only payable to Grayside Financial Services for protection products, for example life assurance, health insurance and mortgage protection. We will always tell you about any commission we earn from providers and how the cost of the commission is factored into the premiums you pay for the product. These commissions vary with different products and providers but will be documented in the Key Facts Illustration (KFI) you receive from the adviser.

Commission is not available on any new investment products after 31st December 2012. For legacy investment products which commenced prior to this date, ongoing commission may be received by Grayside in some circumstances.

Insurance Broking

For general insurance advice, we will normally receive commission from insurers or product providers. On request, we will be pleased to provide information about any commission received by us in the handling of your insurances.

Any other fee or charges will be notified to you in advance. You will receive a quotation which will tell you the total price to be paid, showing any fees, taxes and charges separately from the premium, before your insurance arrangements are concluded.

Mortgage Advice

For mortgage advice we will receive a procuration fee from the lender, and we will also normally charge a client fee payable on completion only. The client fee may be waived in some circumstances. This will be discussed and agreed with you at outset.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Contact Us

Grayside Ltd
1st Floor, 55 High Street, Epsom, Surrey KT19 8DH

Independent financial advice
T: 01372 726162

Contact Us

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Grayside Financial Services is a trading name of Fairstone Financial Management Ltd. 
Fairstone Financial Management Ltd., is authorised and regulated by the Financial Conduct Authority- FRN: 475973. 
Registered in England and Wales no: 05574120. 
Part of the Fairstone Group 

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