Invariably most of us will have to consider the options of how to invest in order to achieve our long-term goals, and it is important to get the right advice.
The first thing to consider is whether you should engage a professional financial advisor, or forgo professional advice and manage your finances yourself. When considering which way to go, your decision should not solely be focused on fees, or indeed on you’re the confidence you have in your own financial abilities. There are many benefits to using a professional qualified adviser.
When managing your finances, building your wealth, securing your future, and most of all developing an effective plan for fulfilling your financial objectives, getting the right advice from a qualified professional advisor can be invaluable and can bring a wealth of benefits.
The requirement for effective planning support from a professional financial adviser comes about for a number of reasons:
Financial Advisers lie at the very heart of an effective financial management strategy. The most straightforward way to describe an Independent Advisor is to say that they are not restricted in the products they can provide or in the advice they can provide. An advisor who is not independent will be restricted in respect of the products and advice they can offer.
The UK financial regulatory body the FCA (Financial Conduct Authority) provides definitions of independent and restricted advice outlined as follows:
Independent Advisers can provide independent advice and is able to consider and recommend all types of financial products that could meet your needs and objectives. Independent advisers will also consider products from all firms across the market, and have to give unbiased and unrestricted advice.
Restricted advisers or firms can only recommend certain products or providers, and are not ‘whole of market’ like independent advisers. Restricted advisers and firms cannot describe the advice they offer as 'independent', and a restricted adviser is required to explain the nature of their restriction, but if you are unsure you should always as for further information.
Advice Wise Limited are completely independent and provide entirely unbiased and impartial advice aimed purely at the best interests of our clients.
We have a wealth of experience, and all the qualifications necessary to be able to provide advice in all areas of finance. We have the necessary specialist financial qualifications to cover all areas including …
As a minimum advisors have to be qualified at Level 4 or above of the Qualifications and Credit Framework (equivalent to the first year of a university degree), and also need to have an annual Statement of Professional Standing (SPS). Additionally, depending on what areas are covered, other specialist qualifications may be necessary.
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