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The importance of being truly independent cannot be over emphasised. Many financial advisers only offer independent financial advice (IFA) on a limited range of products or services, often only those of their employer or the company for whom they act as an agent.
Advisors from most UK banks for instance, will only advise you on their own investment products, or on those where they have set up a revenue ‘relationship’ with another provider or institution.
Why does it matter? The fact is that if an investment adviser is authorised only to advise on a limited range of products, they are under no obligation to consider all of the options available across the marketplace to find the best investment product or service that is most suitable for you. They simply have to advise you on the most suitable investment that is available from the range of investments on which they are authorised to advise. An obvious example of this is with life assurance cover, where a customer may speak to a bank adviser and be recommended life cover with a particular company when the same amount of cover and benefit (possibly even with the same insurance company) could possibly be purchased at a lower monthly cost by having spoken to an independent financial advisor.
“Our advisers would welcome the opportunity to discuss with you how we could be of service.”
The same can be true of investments, where a customer may be recommended to invest a portfolio of funds that are limited to their own ‘in house’ funds, whereas an independent financial advisor will be able to select investments from the entire marketplace and therefore create a potentially more suitable and efficient portfolio.
Our advisers would welcome the opportunity to discuss with you how we could be of service, whether this may be the potential creation of an investment portfolio, the establishment of some life assurance cover, or for a review of any existing pension arrangements that you may hold.
For more information on our IFA service, please do not hesitate in getting in touch at either of our offices in Leicester or Northampton as we cover a wide area including Milton Keynes, Warwick and the rest of the UK.
Authorised and Regulated by the Financial Conduct Authority.
Member of the London Stock Exchange and A.P.C.I.M.S. FCA No. 143715
Reg Office: Lockgates House, Rushmills, Northampton, NN4 7YB - Reg in England No. 1916615 - VAT Reg No. 443759132
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