I was missold a completely inappropriate product by De Veres (they seem to be registered as different names in different places)
Be warned they are not Independent Advisers despite what they tell you. They are not all trained in finance and they are in it soley to take as much commision as possible? I am not against commsion but I am against people mascerading as 'consultants' working in your best interests.
They mislead and misrepresent and they use products that create a conflict of interest between you and their own best interests.
A 'low commision policy' has turned into nothing but payments towards commission and management fees, you pay this before any of your money is invested for you. I am down $55,000.00 in the first 18 months - nice if you can get it. they will tell you everything but the truth about the commission.
DO NOT TRUST THEM and DO NOT pass on the details of your friends - they will tell them you have recommended them and will make them a lot of money - yet they have yet to do anything for you at this point except commit your earnings to their commission pot.
They will make you feel obliged to pass on the details of friends because of all their valuable time YOU have taken - remember they contacted you.... you owe them nothing. refuse and you will see their true colours.