On receiving an enquiry we invite a prospective client to come to our offices for a preliminary meeting. The purpose of the meeting is firstly to establish whether we are able to assist with the prospective client's needs and objectives. Secondly to discuss how we would 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.

After the initial free consultation, we will agree whether it is preferred to pay our "adviser charges" as a fee, or whether we should be remunerated directly from the cost of any financial product required.

Fees will usually be based on time spent and evaluated at a rate per hour calculated to recover our costs. However, we also offer a fixed fee option for consultancy work and portfolio management the later being expressed as a percentage of funds under management.

Commission is paid to an IFA firm by a provider, usually an insurance company, for the successful placing of primarily protection only business. The commission is included within the providers normal product charges, therefore, in most instances, there will be no further cost to the client for this type of business.

We always disclose our fees at outset and obtain written agreement to proceed prior to starting work on behalf of our clients. For ongoing fees relating to portfolio management we use our Portfolio Review Agreement to confirm our Terms and Conditions and the costs involved.

Southern Financial Services Ltd t/a LAfinancial was established in 1995

Southern Financial Services Ltd is authorised and regulated by the Financial Conduct Authority ( FCA Registration No: 174623

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, offshore investments or school fees planning.

The information contained within this site is subject to the UK regulation regime and is therefore targeted at consumers based in the UK only.

In the event of any complaint about the advice you receive or a product you have bought, please write to The Compliance Manager, LAfinancial, Russell House, Oxford Road, Bournemouth, BH8 8EX. Tel: 01202 786199. Following that, in the unlikely event that we are unable to settle a complaint, you may be able to refer it to the Financial Ombudsman Service (FOS). Full details of the FOS can be found on it’s website at

Disclaimer:  This website is designed to provide you with general information only and does not attempt to give you advice on any particular investment or to recommend any particular investment to you. If you have any doubt as to whether a particular investment is suitable for you, you should contact Southern Financial Services Ltd for advice.

Please read our Privacy Statement before completing any enquiry form or before sending an email to us.

Southern Financial Services Ltd
Registered Address:
Russell House
Oxford Road

Registered in England & Wales, No. 3058638 Neither Southern Financial Services Ltd nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.