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west hampstead, kilburn, swiss cottage and st john's wood Property Services

Of course you can make your own financial arrangements but finding your way through the complicated, fast moving finance system is tricky and extremely time consuming. Not only are there a bewildering choice of products and providers, but there are also many strict rules and regulations with which you must comply.

The situation is made more daunting by the fact that, in the world of finance, nothing stays the same for long and arrangements should be regularly reviewed to make sure they remain appropriate and efficient.

There is a clear distinction between the types of financial advice available. You can seek advice from the representative of a single provider such as your bank or insurance company.

These advisers are usually known as company representatives or tied agents. They have the advantage of being linked to a company with which you may already have an established relationship, but they are limited to recommending the products supplied by their company.

Alternatively, you can seek the advice of an independent financial adviser (IFA) who can match your needs to the best products and providers available. IFAs are strictly regulated by law to give you the 'Best Advice'.

Financial advisers are usually paid on a commission basis by the company whose products they recommend and all commission and charges must be made clear to you before you make your final decision. Alternatively, instead of paying commission, it is possible to pay your financial adviser a fee, based on an hourly rate. In this case any commission earned by the financial adviser charging a fee will be rebated to you or reinvested in your policy.

It is worth noting that you will not necessarily save money by cutting out the financial adviser and dealing directly with the provider. Financial advisers can sometimes negotiate preferential rates on your behalf that will ultimately represent more of a saving to you than avoiding a fee.

A financial adviser will discuss your circumstances with you and advise you on the most suitable course of action, their advice being based on in-depth knowledge of the market place. They will consider the financial strength and past performances of the companies they recommend and analyse the complex policy terms.

You will get more value and help out of your initial consultation with your financial adviser if you take time to consider in advance what your financial requirements and priorities are and make detailed notes about your existing arrangements so that they can have as full a picture as possible of your circumstances.

Bear in mind that financial advisers don't just recommend new products, but can provide an ongoing service of reviewing your arrangements to ensure they continue to work to your best advantage.

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