IFA-ONLINE LTD
- 19 WEEKDAY CROSS
NG1 2GB NOTTINGHAM, NOTTINGHAMSHIRE
Phone: 01157270703
www.ifa-online.net
Short profile:
Building a long term relationship with a trusted IFA who understands your circumstances and knows your long term financial goals will provide stability and consistency - benefits that are simply not afforded to you if you buy direct or use large scale organisations that cannot offer that personal touch.
IFA's can recommend financial products from the whole of the market to provide a vast array of choice, features, flexibility and value for money - they will fully understand and can explain the finer details of these products. IFA's can make suggestions that you may never have considered - the use of trusts, tax implications, impact on existing financial plans, risk management. IFA's can react to changes in legislation, product design or movements in financial markets - freeing your time for what you do best. IFA's are highly regulated, so you will benefit from a level of protection should you receive unsuitable advice - something you will not have if you buy direct.
Detailed description:
Not necessarily but individual IFA's have their own charging structures and you should take this into account along with the service that you expect to receive. All IFA's must give you the option to pay by fee or through commission paid following the arrangement of a financial product - the choice is yours.
All financial products have charges built in regardless of where you buy them but they tend to be priced the same whether you buy direct or through an IFA. Discounts may be offerred by an IFA for transactions over a certain value, this can make it cheaper than buying direct but it's not all about discounts, consider what other services you may gain (advice, reviews, updates). Always bear in mind what it costs if you get it wrong because the difference between the worst and best products can be significant (whether that be charges, product design and flexibility, or taxation).
We provide links to various calculators that give an understanding of the cost, availability and mechanics of some popular financial products. You can access quotations for mortgages, annuities and life assurance (eventually we will include pensions and investments). These tools are all free and simple to use but they are not a substitute for professional advice. You can also access 'Money Made Clear' guides - these are publications produced by the FSA for a variety of financial matters.
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