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NEED HELP TO COMPARE
UK FINANCE DEALS ?
PROFESSIONAL BROKER HELP & ADVICE
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Why should I seek to use a Professional Financial Adviser ?
Everyone needs good sound financial advice. The only route to financial security is to look after ourselves. The State no longer provides in the way it used to. The burden of providing pensions, a cushion in the event of ill health and care for the elderly is steadily falling on the individual. Quite apart from these necessities, most of us want to buy our own homes and save for a rainy day.
Insurance and Finance Companies help provide financial services products to meet our needs. But the challenge is to find the right one and with 1000's of products offerred by 100's of Companies where do you start? This is where a Professional Financial Advicer can help.
No one's needs remain the same throughout their life. Things change
Our financial planning affairs need to be constantly monitored to ensure they keep up with changes in our own lives.
Our needs are different when we are single to when we are married, when we buy a house to when we have children. These and other lifetime events trigger big changes in our finances & we need help to make sure we take the right action. You need to be sure that you get the right advice at the start.
A qualified Financial Adviser will help you decide what is best for you
A good financial adviser will help you make the right financial decisions. Who can I go to for financial advice? There is more than one type of financial adviser. Not all advisers can give you advice on all the products available.
- Independent financial advisers. These advisers provide advice on your behalf. If a product needs to be recommended, they can choose from all those available to pick the one which will best suit your needs.
- Multi-tied advisers. These can only sell products from a limited number of companies - the ones to which they are "tied". They still have to find the best product in their range to suit you.
- Tied advisers. These can only sell products from 1 financial company to which they are "tied" & are usually employed by that company. They too can only sell a limited range of products, although they have to find the best one in their range for you.
If you are unsure which type your Financial Adviser is - ask them
They are obliged to give you this information when you first come into contact with them. Anyone giving advice on savings and investments, pensions, mortgage or insurance or is under the eye of a watchdog, the FSA Financial Services Authority. They have to be registered with the Financial Services Authority & are required to have appropriate training. 
The Financial Services Authority have a register of who can give advice.
Best Advice - your Financial Adviser ideally needs to know all about you
What should I tell my Financial Adviser? The state of your finances not just now, but how they could look & how you want them to look in the future.Your adviser needs to know whether you are single or married & whether you have any children. They will also need to know whether you foresee any imminent changes in your circumstances.
All this information will be gathered together in a Factfind & then used to work out what it is you really need & can afford. If your adviser recommends any course of action, you will usually be given letters explaining why this advice has been given.
1000's of Products offered by 100's of Companies - where do you start?
Yes, you are reading this article on the Internet, so why not just do the searching yourself & make your own financial choices? Well time is money. Professional Advisers spend their days doing research & giving financial advice [they probably could not do your job!] so probably the worst piece of financial advice anyone can give you is do it yourself & not seek Professional advice.
Are you are losing valuable time thinking about 100's of different choices rather than speaking to a professional?
So what's the cost for taking Professional Advice ?
There are several ways of paying your financial adviser for the work needed to get you the right advice.
- Commission from the company which supplies your product [ is only an option when you buy something through your adviser ]
- You can pay your adviser a Fee which can either be paid direct when invoiced or collected by your adviser from the policy thus avoiding the need to write a cheque. This should mean the charges taken out of your policy will be lower as there is no commission to pay.
Often there is no charge for an initial meeting, but you should check that first. If you take advice & then proceed to arrange a product directly with a provider, the advice may still need to be paid for by you.
Our service is to introduce you to Professional Financial Advisers & Brokers who search the Finance marketplace to get you the best deals
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