Independent financial advice
If you choose to use a financial adviser they will need to ask you lots of questions about your financial affairs. They will put this information on to a financial review form.
After the review they will discuss with you your financial goals, such as, arranging a new mortgage, choosing a savings plan, reducing your debts. They will then prepare a personal report about your financial affairs and send it to you. This will include recommendations of how to achieve your financial goals.
Since the Financial Services Act became law in 1988, financial advisers have to be properly qualified and registered. There are two types of financial adviser, ‘tied’ and ‘independent’. A tied adviser can only recommend investment products from a specific company where an independent adviser can recommend investment products from any company.
Advisers from Origen (the advisers appointed by railway pensions) are independent.
To find a local independent financial adviser you can visit the unbiased.co.uk website.
See Quick Links - Origen and Quick Links - Unbiased to visit their respective websites.