Where do you find a financial adviser?

A good starting point is to speak to friends or family to see if they have a relationship with a financial adviser that they are happy with. Alternatively you could use a website such as ‘Vouched For’ or ‘Check a Professional’ which will find advisers in your local area. These websites are like ‘TripAdvisor’, whereby genuine clients rate and review their financial advisers. 

What should you look out for?

There are two ‘must have’ hallmarks when seeking a financial adviser - Independent and Chartered.

It is essential to find an independent adviser.  Firms will be independent or restricted and by choosing an independent adviser they will be able to recommend to you products and services from the whole of the market, where as restricted advisers will have a more limited offering. It is also important to ensure the company does not have any connections to other companies - as this can create a conflict of interest, whereby you might not get the most suitable product.