Q1 How does your financial adviser get paid? Is it by fees or commission? How does this affect my money? A1 In most cases we earn commission from the products we recommend without direct charges to you. As an alternative, however, we can negotiate with you a fixed fee for a particular job. In all cases you will be advised clearly and in simple terms of the costs and charges for any product we recommend. Q2 I have read about investing in residential property using pensions after next April. How can I do that and is it as good as it sounds? A2 Talk to us - we can tell you the costs and benefits. However, it is not always as good as it sounds and we can tell you the pitfalls call Richard directly on 0845 888 2992. Q3 Why should I ask Bryden Johnson to deal with my self-assessment? A3 We will remove the fear factor, take away the stress, deal with the Revenue on your behalf if necessary, and leave you to do what you do best, running your business. Q4 When should I let you have my tax return information? A4 We like to get your information as soon as possible after the 5th of April. This enables us to get an early indication of your tax liability, removes the risk of a penalty being imposed and also gives you an early warning of your tax liability. For advice about any of these subjects or an informal chat with one of our specialists please telephone 020 8686 0255.