Are restricted advisers less qualified than independent?

No, regardless of which type of advice you choose, all financial advisers must have obtained a recognised 'Level 4' qualification, which takes around a year to obtain via examinations for new advisers. Both James and Richard have exceeded this requirement and are Chartered Financial Planners, considered to be the 'gold standard' qualification for financial advice.

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We’ve been providing expert financial advice for more than 40 years. Over the course of that time, we’ve learnt a lot about what our clients want and need, and how we can best serve their needs.

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