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Get financial advice
Not sure how to go about tackling your finances? It could be time to call in a professional. Here's your step by step guide to finding the right financial advice.
1. Understand what's on offer
Financial advice comes in many different forms, but to help you work out what type of service you'll receive, advice can be put into two categories: independent and restricted.
Independent advice is based on an assessment of all of the market, without any restrictions or bias towards a particular product or company.
Restricted advice will only take into account a focused range of products from selected companies, either because the adviser has chosen to specialise in a particular area, like pensions, or because they only work with selected product providers.
Need help finding an adviser?
We know that choosing an IFA can be a daunting task if you don't know where to start.
Unbiased.co.uk is one of the leading professional advice websites. They will put you in touch with independent financial advisers in your local area. All you need to do is type in your postcode and they'll provide you with a list of advisers closest to you.
Access to impartial guidance
We recommend you seek appropriate guidance or advice to understand your options at retirement. If you are aged 50 or over, you can get free guidance over the phone or face to face with Pension Wise, a service from MoneyHelper.
Go to www.moneyhelper.org.uk/pensionwise or call 0800 138 3944.
MoneyHelper guides are also available at www.moneyhelper.org.uk