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When You Need Independent Financial Advice

Jul 21, 2008
When you want advice about making the most of your money - ensuring that it works as hard as it can for you - then you will almost certainly want that advice to be independent, completely knowledgeable about all the financial products available, and for it to be advice that sets out the options so that you can make an informed decision, rather than be cajoled or persuaded into taking someone else's preferred approach. This is the essence of independent financial advice.

The need for good, professional independent financial advice has never been more acute than in these somewhat troubled and uncertain economic times. The shaky housing market, rocketing fuel prices and the cost of a regular trip to the supermarket seeming to rise every week, all make it important that we make the best possible use of every last pound at our disposal.

But it is not just the importance of wisely marshalling every pound that counts; there is a bewildering array of financial products already available in a highly competitive market and the choice continues to grow. It has become a highly skilled and full-time job, therefore, just to keep track of the expanding catalogue of financial products that exist to suit your personal circumstances and needs. The ability to make the right decision increasingly depends on the expertise and professionalism of independent financial advice.

It is the sheer range of possibilities that makes wise decision-making such a daunting task and the need for independent financial advice so critically important. This becomes apparent in just the briefest of skims across the spectrum of financial services and products.

Take savings and investment, for example. Should you choose an Individual Savings Account (ISA), a unit trust, investment bonds, an Open-Ended Investment Company (OEIC), inshore or offshore investments, or are you most concerned about making an ethical investment? With truly independent financial advice, you could begin to unravel the mysteries of each of these and find the one that best suited you.

Another major area of financial planning concerns your pension. We all look forward to a long and happy retirement - and that means having ensured that the money we earned during our working lives is delivering the maximum return when we take that well-deserved rest. Independent financial advice will help to ensure that we continue to make the most of all that we worked so hard to enjoy.

Anyone who has ventured into the minefield of a mortgage application recently will be only too painfully aware what a rapidly changing and confusing arena it has become. Will you be better off with a fixed rate, a variable rate or a tracker mortgage? Independent financial advice is practically essential for ensuring that you choose the one that best suits your particular, personal circumstances.

When it comes to the management of personal finances, payment protection insurance and insurance matters generally, independent financial advice will help you find the most appropriate, affordable and cost-effective products that can be tailored to suit your uniquely personal needs. Independent financial advice will help ensure that you get the pick of all that is on offer.
About the Author
Sean Horton is a Director of Enhanced Wealth, a whole of market mortgage broker and IFA specialising in mortgage advice and the associated areas of income protection, mortgage protection, mortgage life cover and Independent financial advice .
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