When it comes to making important decisions about your money, whether that’s investing for the future, planning for retirement, or protecting your family it’s vital to know that the advice you receive is truly in your best interests. That’s where choosing a fully independent financial advice firm can make all the difference.
What does ‘independent’ mean?
An independent financial adviser (IFA) is not tied to any bank, investment company, or insurance provider. This means we have access to the whole of the market. We can recommend any product, provider, or solution that best meets your needs. In contrast, advisers who are “restricted” can only offer advice from a limited panel of providers or their own company’s products.
Why independence matters to you.
Independence gives your adviser complete freedom to focus on you. Every recommendation is based on a detailed understanding of your goals, circumstances, and preferences. At Parker Kelly none of our adviser have sales targets. Whether you’re looking for the most competitive investment solution, pension strategy, or protection policy, an independent adviser can compare all available options to find what genuinely fits your situation.
A relationship built on trust and transparency.
With an independent firm, you’ll receive clear, unbiased advice supported by full disclosure of fees and charges. You’ll know exactly what you’re paying for and can feel confident that every recommendation is designed to serve your long-term interests.
Adapting as your life changes
Because independent firms aren’t limited by product ranges or provider restrictions, they can adapt your financial plan as your life evolves, switching strategies, providers, or products when necessary to keep your plan on track. This flexibility helps ensure your money continues to work hard for you, whatever the future brings.
Peace of mind and protection
Independent firms are authorised and regulated by the Financial Conduct Authority (FCA), which means your adviser must always act in your best interest and meet strict professional standards. You also benefit from the Financial Ombudsman Service and the Financial Services Compensation Scheme (FSCS) for extra reassurance.
Parker Kelly Financial Services are proud to be a fully independent financial advice firm. We pride ourselves on being financial planners and not asset gathers. This means we will always provide the advice that is most suitable and aligned to your needs and objectives.
Important Information: The value of investments and the income from them can go down as well as up, so you may get back less than you invest. Tax treatment depends on individual circumstances and all tax rules may change in the future. You cannot normally access money in a pension until age 55.
This information is not a personal recommendation for any particular investment or legal advice.