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The IndependentHaiti bidding to be the next big thing in Caribbean travel by leaving its troubled past behindThe IndependentAdd-ons are charged directly to the cabin via the SeaPass, a cruise credit card, and no passports or tourist visas are needed. ..... ”Politics as usual is kinda what's going on here,” Morse says, dismissing the capital's fancy hotels a money-laundering ...and more »
Telegraph.co.ukWatchdog ban spells the end of rip-off pension 'exit penalties'Telegraph.co.ukFollowing a Financial Conduct Authority (FCA) investigation which found that at least six British pension firms applied charges to customers' pensions without telling them, as many as two million savers could have eye-watering exit fees of up to 40pc ...Britain proposes fee cap on cashing in pension potsReutersPensions: Regulator plans to cap exit charges at 1%BBC NewsProposals to cap pension early exit charges at 1%Belfast TelegraphInternational Adviserall 37 news articles »
UK BBA mortgage approvals April +40.1k vs +44.7k expForexLiveForexLive.com blog posts feature leading edge technical analysis charting tips, forex analysis, and currency pair trading tutorials. Find out how to take advantage of swings in global foreign exchange markets and see our real-time forex news analysis ...and more »
Spectator.co.uk (blog)Money digest: today's need-to-know financial newsSpectator.co.uk (blog)In a welcome move for pension-holders, the Financial Conduct Authority has proposed that for existing contract-based personal pensions, including workplace personal pensions, exit charges will be capped at 1 per cent of the value of a member's pot.and more »
Telegraph.co.ukWatchdog to ban penalties for savers accessing pensionsTelegraph.co.ukIn a detailed proposal published today, the FCA said new personal pensions and work pensions should not be allowed to apply any penalties to savers who want to access the money in their pension pot after age 55. It said penalties for existing savers ...and more »
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Getting financial advice

It’s time to review your finances and make sure your money is working as hard for you as it possibly can. Somewhere out there are the right financial products for you but unless you have the mind of a forensic detective and understand the complexities of everything from insurance and pensions to hedge funds and derivatives get sound financial advice.

If you don’t already have someone in mind as an adviser one of the best ways to find someone good is to ask family, friends or colleagues for recommendations. You want someone who’s independent so that he or she can give you impartial advice about the whole range of products on offer. If you choose an adviser who isn’t independent they can only advise you on the products they work with. Some advisers specialise; if you want advice on pensions you might want and adviser who is a pensions specialist. Ask about the qualifications of anyone you are thinking of seeing.

The other question you have to ask is about how you pay for the service. You may choose an adviser to whom you pay fees upfront. Fees vary hugely so find out before you book your appointment. Try haggling to get the fees reduced if possible and ask for the first session to be free so that you get the chance to decide whether or not you have a rapport. The other option is an adviser who gets his or her fees through commission which you ultimately pay for because it’s added to the cost of the product you buy. Or you may pay for advice through a combination of the two.

Whoever you choose it’s helpful if you can build a lasting and trusting relationship which will make you both money for years to come. Remember that a financial plan made now needs to be reviewed frequently. What’s right for you in the current climate may not be right once the economy picks up again or if your circumstances change. The degree of risk you’re prepared to take with your savings and investments may be different when you’re single from when you’ve got a partner and children. Getting the right adviser is just the start of the process. 

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