All formal consultation is chargeable. Thus, any service rendered such as fact finding, recommendations and proposals regardless of medium (i.e. email, verbal, face-to-face, etc) and on-going servicing is chargeable.
However, many potential clients want to discuss with me first before deciding whether to go ahead with the financial service. If you wish to speak to me to find out more about the service provided and as well as to find out about me in person, you will not be charged since this is not a consultation. For such phone discussion, you will not be charged.
Do remember that in preliminary phone discussion, no financial advice is provided. No recommendation will be provided.
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