Benefits of advisers

Our changing ability to earn, along with our ever changing needs and preferences define our 'financial life cycle' ...

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.

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Why Independent advice makes sense

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 matters can often be quite complex
  • There are usually multiple different ways of satisfying a financial requirement
  • Financial planning is ‘holistic’, in that what you choose to do in one area can affect other areas of your financial plan
  • Tax implications can be perplexing, and it is important that all possible tax implications are considered at the outset
  • The costs and fees associated with many financial products can sometimes be unclear or confusing, and can sometimes feature hidden costs
  • Making the wrong choices can be costly, so avoiding these mistakes can be highly beneficial to your finances
  • Financial regulation is rife, and often changing too, so it is important to ensure you keep up to date with the latest regulatory & legal developments
  • Whether it is a mortgages, a pension, or an investment, you will find that products are often changing, so it is beneficial to stay up to date with the latest offerings

Independent advice vs. restricted advice

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.

Our qualifications

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 …

  • Personal Tax (CII) / J01
  • Chartered Associateship (LIBF)
  • Award in Pension Transfers / AwPETR
  • Certificate in Long-Term Care Insurance (LIBF) / CeLTCI
  • Certificate in Regulated Equity Release (LIBF) / CeRER
  • Advance Diploma in Financial Advice (LIBF) / AdvDipFA
  • Certificate in Long-Term Care Insurance (CII) / CF8
  • Advanced Cert Mortgage Advice & Practice (LIBF) / Adv CeMAP

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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