Remuneration Policy

Grow Financial is a fee based financial planning firm that provides clients with the option to
either pay by a fee, commission off set or a combination of both. Grow Financial will agree the
basis of payment with clients before work commences.

Fee Option

Our fees will be based on a combination of time needed to complete the required work, the
complexity of the case and the specialist knowledge required. Grow Financial will agree the
amount or basis of our invoices with clients in advance. Fees may be subject to VAT.

Commission

Grow Financial may be remunerated by commission earned from insurers and product
producers to whom orders are transmitted. Summary details of these payments will, where
applicable, also be included in a product information document which you will receive before
an application form for a product is completed, and extended details will also be included with
your cooling-off letter. Any additional charges for services rendered will be clearly disclosed to
the client in writing prior to the provision of a service.
If we have arranged for your fee to be offset by commissions derived from a product which you
subsequently cancel or cease to pay, and in consequence we are obliged to refund commissions
paid to us, we reserve the right to charge you a fee to reimburse us for commission refunded.

Effective Date: June 2023