What is the difference between independent and restricted advisers?

It is important to understand that not being independent does not mean our advice is not impartial; it is. Neither independent nor restricted advisers are allowed to be incentivised to recommend one product over another.

We always and only make recommendations that we believe are in your best interests. Being restricted allows us to focus our attention on what we feel really matters to our clients - the quality of our advice.

It is also important to understand that 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. Both James and Richard have exceeded this requirement and are Chartered Financial Planners, a status considered to be the 'gold standard' for financial advice.