Terms & Conditions

This website and its contents are provided for general information purposes only. You should not act or rely upon the information contained in this website. The information contained in this website is not designed to constitute investment advice. Should you wish to seek advice, please contact us.

Alchemy Advisory Services Ltd accept no responsibility or liability for any loss or action or inaction that may arise from reliance on any of the information contained in this website or in any third party website which has a link to this website.

Your privacy is of paramount importance to us and we take the fullest measures to protect it. Any personal information provided by you on or via this website is held securely and in the strictest confidence in our manual or computerised records.

The information on this website is accurate only on the date that Alchemy Advisory Services Ltd supplies such information. We recommend that you confirm the accuracy of any information before seeking to rely on such information.

Alchemy Advisory Services Ltd uses all reasonable care and expertise in compiling the information on this website. However, errors or omissions may occur due to a number of factors beyond our reasonable control.

Links from this website exist for convenience and information. Alchemy Advisory Services Ltd accepts no responsibility or liability for the information contained on any such site. The existence of a link to another website does not imply or express an endorsement of its provider, product or service by Alchemy Advisory Services Ltd.

Links to this website are not permitted without the prior written consent of Alchemy Advisory Services Ltd.

Alchemy Advisory Services Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA registration no. is 408025 and can be checked at www.fca.org.uk.

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at:
www.financial-ombudsman.org.uk

The guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at UK residents


Fees & Ethics

WHY DO YOU CHARGE FEES?

The advent of the Retail Distribution Review as implemented by the Financial Conduct Authority has determined that all advisers will charge fees for advice from 1 January 2013.

ARE YOUR FEES COMPETITIVE?

We would suggest our fees offer tremendous value for money when you consider our level of professional qualifications, advice process, planning and service offerings, you are free of course to check out our competitors rates, but please make sure this is on a like for like basis.

WILL YOUR FEES BE LIABLE FOR VAT?

This will largely depend on which of our services you elect to receive advice on at  outset. You will be informed in our fee agreement if we believe any part of our service is liable for VAT.

WHY DO YOU CHARGE ON A PERCENTAGE BASIS FOR INVESTMENTS?

The level of industry fees and the costs associated with Professional Indemnity Insurance normally preclude Alchemy from charging flat fees for investment business. The liability and insurance excess that are part and parcel of the investment advice process are highly significant in terms of ongoing costs. We believe the percentages we charge are fair given the completeness of our service offering, we also know that they are extremely competitive when measured against our peers. Discounts are available for family members and the percentage we charge is tiered from £200,000 upwards.

WHY INDEPENDENT ADVICE RATHER THAN RESTRICTED?

We believe that offering totally impartial independent advice gives our clients the ultimate in value for money. We aim to research the best financial products / investments from the whole of the market place and have invested heavily in research  tools to allow us to do this.

DO YOU ABIDE BY A CODE OF ETHICS?

Alchemy Advisory Services are a Chartered Financial Planning company and as such have to abide by the strict code of ethics of the Chartered Insurance Institute. In addition, Gaynor is also a member of the Institute of Financial Planners (IFP) and agrees to abide by their equally proficient code of ethics. More details can be found at http://www.financialplanning.org.uk/general-public