An independent adviser’s duty is solely to the client — not a bank, insurance company, or investment firm. This means they are free to:

• Give an honest, unbiased viewpoint without corporate influence.
• Consider a wide range of options rather than being limited to a set list of products.
• Tailor their advice to suit each client’s unique needs and goals.

This independence ensures that you always receive advice that works in your best interests rather than recommendations influenced by external pressures.

One of the biggest advantages of working with an IFA is whole of market access. Instead of being limited to a specific provider’s products, independent advisers can compare:

• Investment funds
• Pension schemes
• Mortgage products
• Insurance policies
• Tax-efficient strategies

By analyzing the entire market, they can source the best deals, negotiate better rates, and build personalized financial plans that align with your goals.

Unlike restricted advisers, who often work on commission-based structures or charge standardized fees, independent advisers set their own pricing. This makes them:

• More cost-effective – Better value for money without corporate overheads.
• More flexible – Options include fixed fees, hourly rates, or percentage-based models.
• More transparent – Upfront about costs, so you fully understand what you’re paying for.

This means you only pay for the advice you need.

Many independent advisers run small businesses or boutique financial firms, offering personalized service that rivals larger corporations. They:

• Build long-term client relationships rather than treating advice as a transaction.
• Offer the same level of expertise as advisers in major institutions.
• Focus on customer satisfaction rather than corporate sales targets.

By choosing an independent adviser, you not only receive high-quality financial advice but also support the growth of small businesses that put clients first.