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Plan for the future
Protect the present |
Guide to the role and benefits
of independent financial advisers
who employ
independent financial planning and tailor-made financial advice to ensure
you get the right financial product for your needs. Discover all the benefits you will get and what to expect from advisers before
you begin discussions. There are different types of advisers. They don’t all
do what we do, nor bring the same benefits. Nevertheless, it’s better for you that
you know what your alternatives are. Then you can make an informed choice.
Take a look at this link and explore your
alternative financial advice options. |
Then, before you leave our unique
people’s guide, be
sure to check out our 8 useful tips about how to take the next step.
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quick access to these page topics |
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Good money management is straightforward when
tackled with purpose. Just a basic knowledge
of the way the financial market works is all you’ll need plus some advice on
how to avoid the pitfalls. A huge proportion of people
buy from their first financial contact without knowing any alternative sources
or if the product is suitable for their needs.
Our financial regulator reckons this
amounts to as many as 36,000 from a Wembley stadium crowd of 90,000. Now that’s
huge. Visit their website that advises you to:
Shop around for best value, says independent financial watchdog….Consider
expert advice. An authorised independent financial adviser will be able to help
you and advise on products from a range of different companies.
They
want more people to consider alternative options and avoid buying the first
product they come across. In other
words steer clear of buying something you may not need and check out what else
is available.
No payment is required for our
first introductory meeting. This
enables us to explain our range
of financial services without obligation and how our financial advice can
be adapted to meet individual circumstances and goals.
We’d
like to prevent you being nudged off course with sales talk. We’re therefore
going to put you in the picture about all your advisory financial options. By
knowing what these are, explaining what they mean and then making proper use of
your alternatives will put you in the driving seat. Make a start and get
to grips with the basics of independent financial planning.
It’s
never too early or too late to seek independent financial advice. A good time
would be when starting your first job, getting married, buying a house,
starting a family, saving for your children’s education, planning for
retirement or even long term care.
Don’t forget inheritance tax
planning too. Have your position evaluated and take advantage of all
appropriate measures and allowances. This will avoid the pitfalls of preserving
a legacy and ensure your money does go where you want it to and not to the government.
Take a look at our full
range of financial services below.
A wise move is to put together a
finance plan using independent financial advisers that will embrace these goals
in keeping with your means and wishes.
The benefits of taking
independent financial advice ensure that
the right financial product will be found for you. Our independence allows us to select any suitable product from
the entire market place without restrictions.
The way the rules work obliges us to get a full understanding by taking account of your
personal wishes, circumstances and attitude to risk with independent financial
planning before any financial product can be selected. In the process, we
record your information so that you can check that we really have understood.
When
making recommendations, we have to take into account the benefits provided with
the product, charges, flexibility, service and financial strength. We must also
give written reasons why a product is right for you to make sure that you are
fully informed before committing yourself to anything.
Verify our comments from this external link that addresses the issue – Independent
Financial Advisers:
Why use an IFA? - Using an Independent Financial Adviser ensures you get the
right financial product for your needs. They are the only type of financial
advisers who are able to select from all financial products in the market
place.
We work for you and give sound up-to-date fiscal
advice to individuals and businesses. You can rely upon the finance plan
we produce using independent financial planning, strengthened by 17 years of
professional practical experience. We meet strict qualification and competence
standards and are authorised to practice and regulated by the Financial
Services Authority.
Our financial services include – wealth
management, mortgage advice, assets protection, health insurance, retirement
planning advice, portfolio planning, taxation, discretionary fund management,
inheritance tax planning, investment advice, national savings, ISA’s, education
fees planning, personal pension plans, equity release, long term care, fixed
interest, commercial property and life insurance. We often blend a mixture of
these services for clients.
Take care with other options since they are
not like with like alternatives. The consequence of choosing the wrong type of
financial adviser may lead to buying a product that is not what you really need.
Avoid unsuitable purchases and make the best use of your cash. We’d like you to
set off in the right direction in the first place and continue on from there.
Being independent signifies that
we are not tied to any commercial financial organisation such as banks,
mortgage lenders, insurance companies and the like. As a result, the advice we
provide is totally unbiased.
Your choices are known as tied
advisers or multi tied advisers. They both work for banks, building societies
and insurance companies etc; and are commercially tied to sell the money
products of the company who employs them.
As you shop around, always check what each type of adviser you come
across actually does as opposed to what the titles imply. Note that
independent financial advisers advise – tied advisers sell. Take a look at this link now to make sure
you can distinguish or tell between your financial advice options - before
committing yourself to anything.
Only Independent
financial advisers can select any financial
product from the whole market place. This is a big advantage, but you will lose this
benefit should you choose other financial advice options.
We
are therefore free to examine any likely financial products that may be in
keeping with your means and goals. In practical terms, what this boils down to
is that we offer a complete and effective cover on those products that are sold
by tied advisers too.
Go
back and refer to the financial advice from our regulator, the Financial
Services Authority who is concerned that as many as four out of ten people
consider only one company when buying a money product. They urge the public to consider expert
advice and use an authorised independent financial adviser who will be able to
help and advise on monetary products from a range of different companies.
Free consultation and
financial health check means that no
charge is made for our
introductory meeting. You know where you stand from the outset and will be able
to freely discuss your thoughts and expectations in confidence when we first
meet without worrying about a bill.
Our costs can be met in several ways. We
are obliged by our regulators, to hand you a list of our charges at the
outset. This tells you how much we will
earn from any transaction. You select your preferred choice of payment and any
subsequent agreement between us can either be paid for by a fee, indirectly
through commission, or from a mix of both.
We are based near Gainsborough and operate our independent financial planning service in the UK throughout
Lincolnshire and Yorkshire. Nearby small
towns include Kirton in Lindsey, Brigg and Market Rasen. Other key towns
include Hull, Grimsby, Scunthorpe, Lincoln, Harrogate, Leeds and York.
However if you reside
elsewhere in the UK - Make use of this site's capability to find an IFA: search for
independent financial advisers in your local area within a few miles of your
postcode.
A change in your circumstances can occur over time to warrant a review or amendment
to a previous finance plan you may have made.
Also a useful tip is to keep up to date with new or revised financial
products or conditions that can evolve over time. Every situation is unique, so
why not contact us to explore how independent financial advice can benefit you.
The purpose of
independent financial planning is to achieve efficient use of your cash and clarify your
objectives. Any planning process will involve a
statement of intent, a means of communication and serve as a basis for control.
The finance
plan we provide does just this, helping to communicate to other, whilst
permitting expected to actual results comparisons so that corrective action or
revisions can be put in hand.
You
will find it useful to have the reference documentation we provide to clarify
your intentions at a particular time.
Circumstances do change, and the effect of, or cash benefits from
different situations are more readily appreciated by having a known start and
end point.
As independent financial advisers, we give impartial guidance on a
wide variety of money matters that include savings and investment advice,
mortgage advice, pensions and retirement guidance, life and health protection
plans, inheritance tax advice. Take
a look into our complete range of financial services that were listed earlier
on this page.
We pinpoint the most suitable financial
product to fit your circumstances from
the 30,000 financial goods available. This huge variety makes it almost
impossible without professional help to select your most appropriate match. Hence you have little chance on your own to
optimise the use of your cash. We urge you to be cautious in selecting
advisers since your options are
not like with like alternatives.
Don’t make the mistake of
thinking you are getting independent financial advice if you are actually
talking to a tied adviser such as a bank who can only to sell their own
company’s fiscal products. Independent financial advisers advise – tied
advisers sell.
Only independent financial advisers provide access to the entire
market so consumers are not limited by product options. This is a big advantage
but you will lose this benefit if you choose other types of advisers.
In effect, we help you to ‘shop around’ as we know where and what
to look for so that any suitable financial product that will match your needs
is not overlooked.
Protect your entitlements by learning to distinguish between your
advisory choices. Alternatively, don’t hesitate to contact me and I’ll do my
best to answer any queries for you.
We listen carefully to everyone who
contacts us and we look forward to hearing from you during 2009.
Authorised and
regulated by the Financial Services Authority
Useful External Links
Financial
Visit our other external website to explore the full range of your
options or take advantage of
our on line financial calculator tools to check Lump sum investment -
Saving towards a goal - Regular monthly savings - OR - How much could I borrow?
- What would my monthly payments be?
Find
details close to where you live or work from around 9,000 IFA locations UK-wide
Regional - Local Business/ Organisations and People
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Locations: Lincoln, Scunthorpe, Gainsborough, Kirton Lindsey,
Grimsby, Market Rasen, Brigg, Caistor and areas in between |
