Our Charges
How We Charge
Depending on the service provided, our remuneration may include:
- A professional fee paid directly by you.
- Commission or other remuneration received from a product provider, where applicable.
- Ongoing fees for continuing advice or review services, where agreed.
- Charges associated with specific financial products or services.
- Third-party charges or expenses that may arise in connection with arranging or administering a financial product.
Where a fee applies, we will agree the basis of the fee with you before the service is provided.
Where commission or other remuneration is received from a product provider, we will explain this to you before you proceed.
Financial Planning and Advice
For financial planning and advisory services, our fee will depend on the work involved and the complexity of your circumstances.
Before commencing the work, we will explain:
- The service we will provide.
- The work involved.
- The basis on which our fee is calculated.
- The amount or estimated amount of the fee.
- Any additional costs that may apply.
Investment and Pension Advice
Where we provide advice relating to investments, pensions or other financial products, there may be costs associated with the product in addition to our own remuneration.
These may include product charges, fund management charges, administration charges, transaction costs or other expenses.
We will explain the relevant costs and charges before you make a decision.
Ongoing Advice
Where you choose an ongoing advice or review service, the applicable fee will be explained and agreed with you in advance.
Ongoing services may include periodic reviews of your financial circumstances, investment or pension arrangements, changes to your financial objectives and recommendations arising from those reviews.
Product Provider Remuneration
Where applicable, Brennan Wealth Group may receive commission or other remuneration from life assurance, pension, investment or other product providers for arranging financial products.
The amount and nature of any such remuneration will be disclosed to you before you proceed.
Third-Party Costs
Some services may involve costs payable to third parties. These may include product providers, fund managers, legal advisers, accountants, valuers or other professional advisers.
Where we are aware of such costs, we will explain them to you as part of the advice process.
Before You Proceed
You will receive clear information about the applicable charges before entering into a financial service.
If you have any questions about our fees, commissions or other costs, we encourage you to discuss them with us before proceeding.
The Central Bank of Ireland requires regulated firms to provide consumers with a written breakdown of applicable charges before providing a financial service.
Important: The exact fee/commission structure should be inserted here once confirmed by the firm’s compliance adviser.