Independent Financial Advisers

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I want to consult an independent financial adviser, but I have two concerns. I only have a smallish mortgage, and only reasonably-sized savings, so is it going to be worth paying an upfront charge? Alternatively, if I go down the commission route, how can I be sure that I'll truly get proper advice? Surely, even if my mortgage and savings are in the right places now, it won't be in an IFA's own interests to advise me to do nothing?

[demelza1978]

proper IFAs are regulated by the FSA and it would career suicide to give you bad advice even if they were to get no commission. try going to your bank, alot of banks have independant (or tied) advisors which offer free advice. If your bank does not offer this service, The Woolwich have free financial advisors, they are not independant but use a select choice of companies so you wil get the best deal possible.