A number of specific services are located within each service category. For each service, a specific fee is awarded, which is listed in the next section. Some services are provided at all times, others on a single basis. The details of the specific services you have chosen will be clearly communicated to you. You are free to start or terminate any service provided by NorthStar at any time, provided that all related costs are paid to cover the services provided on that date. As a general rule, we take all costs directly from your investments, but you can pay us directly for our investment services if you wish. We manage the money you have in your retirement in the same way as our investment management department and calculate the same amount as any other investment. This is usually 0.8% per year if you are invested in a NorthStar portfolio, 1% per year, if your pension investment portfolio is with another provider, or 0.5% per year if you invest in a single pension product with a limited fund range (minimum fee of $500). Where the money is kept in your business, you need to make sure it is invested wisely. We manage business investment in the same way as our investment management department and calculate the same amount as for any other investment.

This is typically 0.8% per year if you are invested in a NorthStar portfolio, and 1% per year if your business investment is made by another supplier. NorthStar may terminate or modify the services we offer at any time by sending you changes or cancellations in writing with a delay of at least 14 days. The Financial Services and Markets Act 2000 requires us to explain the key aspects of our work method and how it affects your client. Some of the services we provide may not be regulated by the FCA because they are not included in the Financial Services and Markets Act 2000. If we intend to provide advice on unregulated activities, we will confirm what those services are and that they are not regulated by the ACF. This is an important document and we ask you to read it carefully to ensure that you understand the agreement you are making. If you are unsure of any of its conditions, please contact us and these will be explained to you. The terms of this agreement come into effect immediately when both parties present an approved signature and remain in effect until termination. This document represents the legal agreement or contract between you and NorthStar. This agreement is issued on behalf of NorthStar of Ocean Village Innovation Centre, Ocean Way, Southampton, Hampshire, SO14 3JZ. The following fees apply only to financial planning services.

If investments, pensions or other services are required, the fee is charged for them in accordance with this document. Old age pension is designed to answer the most important questions about how you finance and plan your retirement years. The old age pension is covered by our financial planning benefit and is billed in the same way. You can opt for either an ongoing financial planning service, which is paid monthly, or for ad hoc or unique services that simply isolate your retirement planning needs. You can see a complete breakdown of our financial planning costs and choose the plan that`s right for you. You agree that the terms of this agreement will come into effect from the date of issue.