Our Service Standards
How will EMFS service you?
EMFS will meet with you to understand your specific circumstances and to explain our initial thoughts and the EMFS services. During that meeting, we will determine whether we can add value to you and, if so, will offer a service or range of services to you for an agreed fee.
EMFS will formally provide advice to you within four weeks of you providing the detailed facts that are the basis for the provision of that advice.
EMFS will offer an ongoing financial planning review service to you which will cover a package of services including access to us at any time, regular review of your investment portfolio and formal annual or semi annual review of the plan taking into account your changed circumstances or goals along with any changes to the law and the economy.
How will EMFS be remunerated?
We generally agree a fixed fee for preparing and presenting the financial plan prior to commencing the preparation of the plan. Trailing investment product commissions are a rarity and, when they do exist, they are rebated against the agreed fee where possible.
We do accept commissions from the insurance companies in relation to our advice and services relating to your personal insurances. This is not an additional cost to you. The commission is paid by the insurance company out of the premiums paid by you to the insurer.
Please review the Financial Services Guide for further details about Lonsdale, our services, our fees and the privacy arrangements.
