You could also look online using a search engine. Sorry! For more information about finding other financial advisors, contact: Joint Service Housing Advice Office Free financial health check + £50 off the cost of advice, Free investment health check + £50 off the cost of advice, Free pension health check + £50 off the cost of advice, BS 8577 (framework for the provision of financial advice and planning services), Financial Adviser in Yorkshire And The Humber. Here are America's best financial advisors. A financial advisor can help you how to make the most of your finances by advising you on the right products for your needs. Please enter a valid UK postcode e.g. From 2013, the advisor has to explain to you how much their advice will cost and discuss and agree with you how you will pay for it. ‘independent’. All SIIAP companies are authorised and regulated by the Financial Conduct Authority (FCA) and adhere to a strict ‘Code of Conduct’. Here are America's best financial advisors. Where we have identified any third party copyright information you will need to obtain permission from the copyright holders concerned. But many advisors have chosen to offer ‘restricted advice’ and will focus on a limited selection of products and/or providers. If you can, check the website of any adviser you are considering before you contact them.
An adviser or firm that provides independent advice is able to consider and recommend all types of retail investment products that could meet your needs and objectives. SW1A 2AA or select a region, Get better results by giving us more information.

The adviser or firm has to clearly explain the nature of the restriction. A comprehensive list of SIIAP’s providers and products can be found at the services and investment advisory panel website.
We use cookies to collect information about how you use GOV.UK. If you’re sure the postcode is correct, then try searching again using fewer filters. If you’re looking for general advice about your financial situation, an independent advisor would probably be best for you as they will have access to the full range of products across the market. Members of organisations such as the Services Insurance and Investment Advisory Panel (SIIAP) are able to demonstrate specialist knowledge and experience in the provision of financial advice and show that they have the knowledge, expertise and ability to serve the Armed Forces clients effectively. Both independent and restricted advisors must pass the same qualifications and meet the same requirements to ensure they are providing suitable advice. This would come out of the money you invested. Find an IFA, Independent Financial Advisers, Whole of Market Financial advisers, Mortgage advisers and Accountants, Adviser Search, financial guides, financial tools and impartial information on professional financial and legal advice. You need to weigh this up against other factors such as cost and convenience. Recognised by the MOD, SIIAP is a group of companies brought together to offer a ‘one-stop shop’ of specialist knowledge and products for the Military environment and understands the need for specialist financial advice for Service Personnel. Search, Find & Compare 1000s of Independent Financial Advisors (IFAs), Mortgage Brokers, solicitors and accounts in your local area. Before you choose a financial advisor there is one important thing to remember.

Tip: this can happen if you mistype a postcode. An adviser or firm that provides independent advice is able to consider and recommend all types of retail investment products that could meet your needs and objectives. Explore our treasury of tips and guides for every stage of life. If you are not sure you should ask for further information, but some examples of restricted advice are where: Under FCA rules, all advisors must also ask you detailed questions (called a ‘fact find’) to understand your financial circumstances and attitude to risk. You’ve accepted all cookies. Independent financial advisors. The majority are paid by whichever company you borrow or invest from. This publication is licensed under the terms of the Open Government Licence v3.0 except where otherwise stated. The European Federation of Financial Advisers and Financial Intermediaries (FECIF) was chartered in June 1999 for the defence and promotion of the role of financial advisers and intermediaries in Europe. We use this information to make the website work as well as possible and improve government services.

The SIIAP panel is made up of independent experts and product providers who can demonstrate ‘in-depth’ knowledge of the financial markets and recommend appropriate solutions for Serving Personnel. If you are getting advice about investing your money, you need to know there are two different types of financial advisors; ‘independent’ and ‘restricted’ and this can affect the advice you are given. To search and check that an advisor is regulated, you can use the search function within the Financial Services Register. Don’t include personal or financial information like your National Insurance number or credit card details. Financial advisers are also listed in telephone directories. Independent advisers will also consider products from all firms across the market and have to give unbiased and unrestricted advice. Barron's 2020 ranking of the top independent financial planning advisors. ... Top 1200 Top Women Independent Top 100 Top Teams Institutional RIA Firms Advisor Directory. The National Association of Personal Financial Advisors is the leading association of fee-only financial advisors. 0800 020 9430 Financial advisers look at your personal circumstances and your financial plans and recommend products to help you meet your needs. Ensure that whoever you deal with is regulated by the Financial Conduct Authority (FCA), which works to protect consumers from the harm that can be caused by bad conduct in the financial services industry. All financial advisors have to be approved or authorised by the FCA.

company offers, the adviser considers products from several, but not all product providers, the adviser can recommend one or some types of products, but not all retail Therefore, the quality of the advice you receive will be the same, whichever type of advisor you go for. This publication is available at You don’t have this level of protection if you buy without getting advice. Some advisors can offer the full range of financial products and providers available and are called ‘independent advisors. You can change your cookie settings at any time. restricted advisors and firms cannot describe the advice they offer as being See a list of advisers in your area, pick your favourite one and contact them yourself.

We’ll send you a link to a feedback form. Find qualified, independent and regulated professionals, We don’t charge you anything for our matching service, Quickly connect to the biggest choice of experts available, If you're delighted with an expert you've found, Watch our video on how simple it is to find. Don’t worry we won’t send you spam or share your email address with anyone. Tell us what help you need and we’ll find the best available adviser, who will then contact you. See below for how financial advisors are paid. Whichever type of advisor you go for; you have rights if a product they recommend turns out to be unsuitable for you. So, if you made a £10,000 investment, £100 to £800 could be paid to the adviser. An independent adviser may also be called an ‘independent financial adviser’ or ‘IFA’. To view this licence, visit or write to the Information Policy Team, The National Archives, Kew, London TW9 4DU, or email: You will find advertisements for financial advisers in both local and national newspapers. Mil: 94222 7574 To help us improve GOV.UK, we’d like to know more about your visit today. Visit us today to find an advisor near you.

It will take only 2 minutes to fill in. We couldn’t find any advisers to match those details. We've detected you are on Internet Explorer. All content is available under the Open Government Licence v3.0, except where otherwise stated, Support services for military and defence personnel and their families, Joint Service Housing Advice Office leaflets,, Services Insurance and Investment Advisory Panel (, services and investment advisory panel website, Coronavirus (COVID-19): guidance and support, Transparency and freedom of information releases, the adviser works with one product provider and only considers products that Companies regularly demonstrate their willingness to provide the highest levels of advice, service and support. There are two types of financial advisers: independent financial advisers (IFAs) give unbiased advice about the whole range of financial products from all the different companies available Financial advice has never been free, and, in the past, it was not always clear how advisers were paid. An advisor or firm has to tell you in writing whether they offer independent or restricted advice, but if you are not sure which they offer you should ask for more information. There are a number of firms that have a specific understanding of the nuances of Service life. FECIF, the only European body representing European financial advisers and intermediaries, is based in Brussels, the heart of Europe. Commission was usually paid as a percentage of your investment, typically 1 to 8%. SIIAP members support and deliver a financial presentation on a regular basis, as part of the JSHAO Civilian Housing Briefs which are open to all Service personnel and their families at any stage of their Service career. They must use this information to understand which product or products would be suitable for you before recommending anything. Civ: 01252 787574 A restricted adviser or firm can only recommend certain products, product providers, or both. investment products, the adviser has chosen to focus on a particular market, such as pensions, and considers products from all providers within that market. This way you know exactly what you are paying and that the advice you receive is not influenced by how much your adviser could earn from the investment. The only difference is that advisors offering a restricted service may be looking at products from a narrower range. We’ll find a professional perfectly matched to your needs.

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