Commission and Charges

Smart Financial is remunerated by commission and other payments from product producers on completion of business. This payment is taken into account in the quotation and/or a customer information notice that will be provided to you. Before completion of your application it is important that you read this information and that you understand the details contained. If in any doubt, please ask your Smart Financial adviser. Full details will be included in the policy/investment documents issued by the product provider when your policy or investment is in force. Where we receive recurring commission, this forms part of the remuneration for the initial advice provided.

We reserve the right to charge additional fees if the number of hours relating to on-going advice exceeds 5 hours. If we receive commission from a product producer, this may be offset against the fee which we will charge you. Where the commission is greater that than the fee due, the commission may become the amount payable to the firm unless an arrangement to the contrary is made. In the event that commission is not payable on a policy this will be agreed in writing with the client. In this circumstance an hourly fee will be applicable. The standard hourly fee will be €350.

A full copy of our terms of business can be found attached here [ pdf format - 544kb - link opens in a new window ]

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