How we work
The Independent Financial Advisers in each advising firm are free to advise on financial products available from all product providers. Advising firms use advanced computer software to research, compare and select the most suitable deals currently available. They are therefore able to make arrangements to maximize the benefits to their clients.
You'll get help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to an adviser - the first one-hour consultation is free. There's no charge, and no obligation, while you and an adviser find out together if it's worth going ahead.
Depending on your instructions an adviser from one of the advising firms will carry out a needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. They will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews.
You will receive professional advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all).
You'll also have help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course it will all be sensibly balanced in relation to your current income and your prospects
In almost all cases the advising firm is able to make arrangements which clients would be unable to make for themselves. All proposals will be fully explained and costed so that you'll know exactly what and why before you agree to anything.
