Elms simply says that the commission is fair and reasonable.
On the subject of the product literature, Bumford says: “It provides a satisfactory explanation of the contract details, however, given that the major selling point is the extensive range of investment options, client literature detailing the available funds and, more importantly, the associated charges would be helpful. It may be that this is available, but is not issued with quotations as a matter of course.”
Elms calls the literature clean, concise and straightforward, while Reid calls it acceptable.
Summing up, Elms says: “Skandia has established itself as efficient product packagers, delivering initiatives and service. It has earned the support of the IFA community.”