How to chose an Independent Financial Adviser

I am not a financial adviser, & have never been, but, I have worked on the administration side within the Financial Services Sector for 25 years. Working with 3 substantial product providers, and 3 Independent Financial Advisers (IFA’s). I have therefore ‘seen and experienced both sides’. Even though there are now strict regulations (which have now become law), imposed on the Financial Services, it is my opinion that not all IFA’s religiously do what is best for the client. However, there are reputable and very trustworthy IFA’s. How do you find one that won’t have their own interests in mind? A very hard ...  Read the complete review

Okay many people may rate this op, UH because it is the exact opposite of the product. In this op. Im going to explain how the con. men out there make their money from people like us (and boy its a big sum) Okay how many of you in a maths class (think back) were taught how to read a companies profit and loss accounts sheet. Tought how to read the financial pages and make sense of all those complicated graphs??? None of you, right. But you say that you could have taken business studies for A lvel. But you had to choose to do that. And the majority of people that did turn out to be financial advisers anyway. If these were things were compulsary to the pointless ...  Read the complete review

Before we look at how you choose an Independent Financial Adviser let’s look at whether or not you need to talk to one. Your first priority with savings is that you should have an emergency fund to help if something awful happens. It’s for the time that your employer goes bust and you haven’t got a job, or the broken leg that stops you working. Please don’t think that it can never happen to you – we’ve all got our personal disasters hiding round corners with a leg stuck out waiting to trip us up. Generally you should have a fund of about three months’ normal income tucked away somewhere that you can get at it without ...  Read the complete review