PNM Financial Management is committed to providing the highest standard of financial advice possible. As a firm we take very seriously the requirements of the FCA, in particular the requirement to treat our customers fairly. We strive to do this in all that we do.

We undertake that all of our actions will be guided by the principle that the interests of our customers are paramount. Our systems and procedures are designed to place our customers at the heart of our business.

In our dealings with you clients can expect that:

• We will be open and transparent in the way we deal with you;
• We will not place our interests before yours;
• We will communicate clearly and without the use of jargon;
• We will inform you of our charges before undertaking any work for you;
• We will deal with any complaints promptly and fairly.

• We will only recommend suitable investments and other products after finding out sufficient information about your circumstances to be able to advise properly. Our advice will be guided only by what is best for our clients.
• We will set out in writing and in clear concise terms why we have recommended any particular investment or product.
• We will inform you in advance of our charges and how these should be paid. If any commission is paid because you invest in any product or investment then we will tell you how much this is.
• In the event that there is any conflict of interest between us and you we will tell you about this as soon as we can after becoming aware of this.
• We will keep comprehensive records of our dealings with you and will record your attitude to risk.
• Where appropriate, and where agreed between us, we will monitor your investments and other financial products and contact you to let you know how they are doing.