III. Work as a network member outside the EEA (excluding USA)

Who is it most appropriate for: Successful individuals or group of individuals operating outside the EEA, UK, Gibraltar and USA

Share in OpesFidelio profits as an Appointed Representative (AR)

When asked, advisers want to be part of something that they feel they can be “owners” of. Therefore as an adviser, you can share in the profits from not only your own business but also any profit from the network; OpesFidelio wants to share profits with its successful advisers. Therefore if you, as an adviser, want to profit and be part of something successful, then this may be ideal for you. We will profit share with ARs with funds under OpesFidelio management greater than £10,000,000.

NOTE: If you are operating into the EEA and do not have your own agencies then Assurgo will be the correct network level for you. Click here for Assurgo.


You will need to pay an upfront fee (fees plus VAT) to join the network, which will be used to pay for joining costs and an induction meeting. This fee is not refundable. We also organise further optional meetings, for you to attend.

There is an on-going minimum monthly payment required, and be assessed annually for compliance.

OpesFidelio offers

  • Trove - our digital online assistant is available for adviser, administration and client log-in. Designed to make your life easier.
  • Network fees are determined by the location of your business
  • Return to UK service for clients returning to the UK
  • Specialist pension advice and access to UK advisers who will be able to assist all members (G60 signature).
  • Specialist USA advice and access to US advisers who will be able to assist all members (SEC registered and US platforms).
  • Minimum monthly fee - Fees are determined by requirements but ban operation in EU, UK and USA territories
  • Fees - a company discount may apply if the company is outside the EEA and not providing advice into the EEA, UK, nor USA.
  • 100% commissions and direct client fees are retained by you minus unavoidable direct charges (e.g. bank costs)
  • Previous business written before joining remains 100% your business and in your name
  • Commission tracking is not provided and remains your responsibility with commissions paid once monthly per currency (minimum values apply) and any bank / transfer fees are yours
  • Your relationship with local representatives of providers is encouraged, but you are unable to represent your views or requests as though they are those of the network

Compliance requirements

  • Professional Indemnity (PI) cover is NOT provided (You must show evidence of your own)
  • However, PI excess may be due on complaints if they filter through to the main setup
  • Compliance & virtual assistance is available through Trove
  • Business conducted connected with EU, UK or USA products or advice MUST be signed off by a EU, or USA regulated adviser PRIOR to applications submitted
  • Technical support is available for an extra charge linked to requirements
  • Stationery and websites are your own but any use of our regulated statements must be pre-approved
  • No advertising may be conducted in the name of OpesFidelio at any time

Regular savings plans and Indemnified earnings

You will have your own agencies set-up with providers in your / your company's name and be paid directly.


Any marketing budget is at the networks discretion.

Qualification Level

Some qualification in financial services or a degree required, and references will be required from 2 professional connections. The company or group, collectively and individually, will not have any pending or existing criminal convictions, nor any clawbacks outstanding and not be subject to any “actions” from life companies or financial firms, or be cited by any action group for mis-selling.

The location of the AR will dictate the regulatory requirements in that location, and the AR is wholly responsible for ensuring that they operate within their local regulators rules and notify them accordingly and the AR will be asked to confirm this.

  • Regulatory requirements are determined by the setup agreed outside the EEA
  • Can you advise in the UK and the USA? No
  • No minimum commissions and no minimum capital adequacy
  • OpesFidelio Wealth Management service is provided quarterly to all your clients at a charge by the network - you would impose your own separate ongoing servicing charge (We do not split fees or earnings)
  • Your clients are yours at all times and you can transfer them away from the network
  • Exiting the network is possible at any time with 3 months notice

Join the network as Particeps Member and start earning straight away


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