About Financial Advisers

There is more than one type of financial adviser and not all of them are independent.

If you are unsure which type of adviser you are dealing with, ask them. Advisers are obliged to explain their status at the first point of contact.

Tied advisers sell products from the financial company to which they are ‘tied’ and will usually be employed by that company. Often when you speak direct to an insurance company you would be dealing with a ‘tied adviser’.

Multi tied advisers sell products from a limited number of companies one of which is usually the advisers’ employer. Often when you speak to one of the high street banks, building societies, or so called ‘wealth managers’ you would be speaking to a ‘multi tied adviser’.

Contacting an insurer, pension or investment company direct does not, as many believe, cut out the so called ‘middleman’ since you will end up paying standard levels of charges. More importantly perhaps, how do you know that the advice you are getting is right for you and not just right for the salesman?

The financial pages of the weekend press frequently carry sorry tales about banks and wealth managers selling inappropriate investment products with high commissions for the so called ‘adviser’.

Independent final advice focuses on holistic and personal financial planning is just that; personal to you and with the emphasis on financial planning.

Expert Financial Solutions Ltd are chartered financial planners and independent financial advisers (IFA) and do not represent any other company such as a bank, building society, or financial institution.

Expert Financial Solutions Ltd will act for you as your agent which means that the services that we provide are independent of outside influences, impartial, and personal to you.

There is a fundamental difference between personal financial planning from an independent financial adviser acting for you, and the sales based behaviour of an agent of an insurer, bank, building society or wealth manger.

Our highly qualified and experienced IFAs will create a financial plan for you to meet your financial goals, and will be on hand to review, monitor and change it in future.

We seek to develop long term relationships with our clients and will always advise on what we believe to be in your best interests to assist in achieving your financial goals.

September 2009

Expert Financial Solutions Ltd chartered financial planners and independent financial advisers IFA financial planners based in Witney, Oxford, Oxfordshire. We provide independent financial advice, pension advice, investment advice, retirement advice, annuity advice, SIPP advice pension drawdown advice, pension transfer advice, wealth management and pensions on divorce advice in Oxford, Oxfordshire, Gloucestershire, Buckinghamshire, Wiltshire and Berkshire, Abingdon, Banbury, Bampton, Bicester, Burford, Chipping Norton, Cheltenham, Cirencester, the Cotswolds, Henley on Thames, Kidlington, Lechlade, Oxford, Wantage, Witney and Woodstock. Pension specialists, retirement planning specialists, pension transfer specialists, pension annuities, specialist pension advisers, investment advisers, and inheritance tax IHT mitigation and trust investment. Chartered Financial Planner. Oxfordshire's only Resolution qualified and Resolution accredited IFA for pensions on divorce and financial neutral for collaborative divorce.