About Independent Financial Advice:Financial Advice

There are three types of financial advice

  • Independent Financial Advice - This is where a totally unbiased, whole of market financial adviser reviews your affairs and offers advice across the widest area of your money.  They are not tied, linked or restricted to one companies products or services but can offer you are broader solution covering all firms and products.  The adviser must quote you a fee for doing the work.  This can usually be paid for directly as a fee or via a deduction from your policy or investment charges.
  • Restricted Financial Advice - This is where a financial adviser may be restricted in what financial advice they offer you.  This may be because they are restricted by the number of companies or products that they recommend.  E.g. they may be an adviser for just one insurance company or a limited range of insurance companies.  Alternatively, they may be restricted advisers because they are not qualified or authorised to give advice on all areas of the financial market.  A restricted adviser must also quote you a fee for giving advice.  The fee can again be paid directly by you or via a deduction from policy of investment charges.
  • Non Advised Financial Selling - The financial adviser is not a financial adviser.  They do not offer or give advice.  This is very common for many banks and insurance companies and online investment companies or comparison websites.  No financial advice is given or deemed to be given.  In many cases, you answer a series of questions and then a few product options are given to you.  You choose which policy, mortgage or pension you want.  No advice is given.  No liability is accepted for you choosing the right or wrong product. No advise sales can still be paid full commission yet you have had no advice.  You carry the risk yet you have paid full commission charges.  Is it any wonder, given the amount of complaints Banks are receiving that they have adopted this "no advice" model.

We are unbiased, professional, independent financial advisers.  To ensure you are in control and decide who is best placed to help you with your money, we offer independent financial advice in stages as follows:

Stage 1 - Free Consultation - Up to 30 minute Free Consultation Worth £90 from the Winner Financial Adviser of the Year.   Make your money work harder for you with unbiased advice.

Choose: Online Contact - Email - Telephone - Book Callback

Stage 2 - Our Quote - To give you choice and enable you to get the best value service for your money, we offer four pricing options, allowing you to save up to 25% on our fees and save 100% commissions.  We do not take or receive any commission but reinvest 100% of commissions to get you maximum investment charges discounts (take a look at fees v commission).

1. Non Face to Face Fee: (paid up front)

  • Discussions/Meetings/Advice/Reports: Telephone/Webcam/Email
  • Application Forms: Telephone/Email/Post.  Policy Documents: Post
  • Discount: Saving you 25%

2. Non Face to Face Fee: (paid on completion)

  • Discussions/Meetings/Advice/Reports: Telephone/Webcam/EmailUnbiased Advice Means A Better Future For You
  • Application Forms: Telephone/Email/Post.  Policy Documents: Post
  • Discount: Saving you 15%

3. Face To Face Fee: (paid up front)

  • Discussions/Meetings/Advice/Reports: Personal Meeting, Hard Copy and Email Copy
  • Application Forms: Personal Meeting, Hard Copy and Email Copy.  Policy Documents: Post
  • Discount: Saving you 10%

4. Face To Face Fee: (paid on completion)

  • Discussions/Meetings/Advice/Reports: Personal Meeting, Hard Copy and Email Copy
  • Application Forms: Personal Meeting, Hard Copy and Email Copy.  Policy Documents: Post
  • Discount: Standard Fee

For works where there is the option for fees to be paid from product/policy charges (formerly known as commission), we also give you the option to do this.  You can have any fees paid from policy charges.  We will advise if this is wise to do although for most people, we believe you are better off in the longer term getting discount pension and investments and keeping fees separate.

Benefit to you:  "What's in it for me"?

By getting good quality, trusted independent financial advice, we will help you:

  • Save Money - Make Money - Pay Less Tax
  • Solve Money Worries
  • Get Cheaper Life Insurance
  • Target a bigger pension
  • Grow investments
  • Smaller mortgage and pay off mortgages early
  • Pay less tax
  • We explain complex paperwork and statements in plain English
  • Get broken polices fixed

Independent Financial Advice from our award winning team: Contact us

Watch / Listen
  • About FinancialAdvice.net
Search Financial Advice
Financial Advice Dictionary
Page Options