Sigma

"Wealth management through experience"

• our status
• your protection
• data protection act

Our Status

We are regulated by the Financial Services Authority (FSA) in respect of Designated Investment Business.

Our Independence

We are independent and will act on your behalf in advising you on life assurance, pensions, collective investments, ISAs, readily realisable investments and other packaged products.

We are also able to advise on mortgages, some general insurance and other products and services that are not regulated by the FSA. There is no Financial Services Compensation Scheme available for such products and services.

Under the terms of FSA regulation, we regard you as a Private Customer and will act at all times in your best interests.

Our Remuneration

We accept remuneration on a fee basis or a commission basis. This will be agreed with you at the outset. In the case of investments in Life Assurance, Pension Plans, Individual Savings Accounts, Unit Trusts and regulated Collective Investment Schemes, you will be advised in writing of the commission amounts we will receive. If we receive any form of benefit from the issuer of a Security, or from another Intermediary, we will advise you of that fact, but only tell you the amount involved if specifically requested.

Where, on receipt of instructions from you, a financial report is prepared or work is undertaken that does not result in commission being paid, or advice is given but no transaction is arranged on your behalf, fees will be costed on a time-spent basis at a rate agreed with you in writing.

If we agree to work on a fee basis in place of, or together with commission, we will provide you with a separate fee agreement.