About Us

Melville IFA Associates are “whole of market” Independent Financial Advisers based in Glasgow offering pensions advice, protection, mortgage, inheritance tax, savings and investment solutions to private and corporate clients. Melville IFA Associates are part of a network of Independent Financial advisers covering the whole of the country.

As “whole of market” independent financial advisers we can provide advice on all companies and products in the market place, therefore offering clients a wider, more sophisticated range of advice and service.

Our principal adviser David Melville has over 40 years experience in financial services working with various Banks and as an Independent Financial Adviser working with Bank of Scotland and Lighthouse Financial for over 20 years.

How we work

As Independent Financial Advisers we are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximise the benefits to our clients.

You’ll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you’ll need to set aside some time to talk to us – the first consultation is at our cost. There’s no charge, and no obligation, while we find out together if it’s worth going ahead.

How we are paid

On receiving an enquiry an initial consultation will be arranged with you. The purpose of the consultation is to gather relevant information from you and to discuss your needs and objectives. We shall agree with you how we are to be paid for our services should we be instructed to proceed. There is no charge for this preliminary meeting and no obligation on either side.

We shall work with you either on a fee basis or on an adviser fee basis whereby the financial institutions with whom we place your business will pay us for doing so. There is the option for us to charge a combination of fees and adviser fees if preferred. We shall always tell you in writing about any adviser fees before proceeding. If you prefer to work with us on a fee basis, we shall give you a note of our fee structure in writing before going ahead with giving you advice.

Fees will usually be based on time spent and evaluated at a rate per hour or a fixed fee basis calculated to recover our costs. Fees may attract an additional VAT charge whereas adviser fees, under current legislation, do not.

 

Want to know more?

Call us on (T)/(F) 0141 637 3490 (M) 07887 633 523

Or email at enquiries@melvilleifa.co.uk