Schedule of Fees and Remuneration Arrangements
A client can choose, if they so wish, to pay for the service in full by way of a fee. Such fees are set as follows for 2016.

Broker Fees

There is no upfront fee/charge in having your current policies reviewed. However if a client wishes to progress this to a more in depth financial review, there are a number of fee/charging options available.

• Full Financial Planning Review, including a full fact-find analysis of Protection, Savings and Investments and Retirement Planning is €500 (maximum 3 hour time frame).
• A focused fact-find, whereby the client wishes to review only one area of their finances, e.g. protection, is charged at €200 (maximum 2 hour timeframe, after which an additional €200 per hour is charged).
• Additional work and research conducted on behalf of the client that exceeds 3 hours will be charged at a rate of €200 per hour.

Broker Commission

Agreement may also be reached to have these fees offset against any commission remuneration payable to the intermediary for business transacted.

This can be agreed prior to the consultation. However a client may opt not to choose this option in which case New Beginning Financial Services Ltd are remunerated only by means of commission on any business transacted with the various companies with which we hold an agency agreement.

The amount of the remuneration will be made clear to the client at the point of transaction and will also be included in the relevant policy schedules and statement of suitability issued to the clients.