provide it. If you would like some help, we'll be pleased to introduce you to your local Independent Financial Adviser (IFA) who will initially offer his services free of charge and without obligation.
Your IFA will be able to advise you on matters such as:

Personal and company pensions
Life assurance / Critical illness cover / Keyman insurance
Share protection
Investments
Pre-retirement planning
Inheritance tax planning
Mortgages
Endowments
Income protection

Tracking down the best pension plan, mortgage or the most suitable investment scheme or insurance policy can be a daunting task. There are hundreds of insurance and investment groups, banks and building societies offering many thousands of products. Trawling through these yourself is likely to take a long time and require a good understanding of the financial services rules and regulations and the tax system. Although the right product for you is almost certainly available, it is unlikely that you'll find it on your own. Make the wrong choice and you could be thousands of pounds out of pocket.

Alternatively most 'advisers' from banks, building societies and insurance companies represent the company they work for, not you, the client. This means that, in the main, they recommend and sell only the products marketed by the company they represent, whether or not these products are the best for you!

On the other hand, Independent Financial Advisers (IFAs) are, by definition, agents representing you, the client, and not the product provider. They are required, by law, to shop around the various companies for the best value for money financial products to suit your personal or business needs.

Independent Financial Advisers (IFAs) are required by law to recommend the best value for money products for you, the client. Before doing this they will carefully examine your financial circumstances, your income, tax position and any existing policies that you may have. They will also take into account your attitude towards risk and your long-term goals. Only then will they advise you on the most appropriate products and policies to meet your requirements.

All IFAs have professional qualifications and go through rigorous training. Competence requirements ensure that they are up to date in their knowledge and are fully qualified to give financial advice. Most IFAs now have access to sophisticated research facilities to help them search the market for the best deals for you.

Additionally, they will check to ensure that the companies providing the recommended products are worth investing in. They will examine the financial stability, charges, returns on investments and levels of service. In this way you get the peace of mind that you don't receive when you buy policies from a salesman, newspaper advertisement or over the phone.

IFAs provide unbiased advice for all your financial needs, from existing policies to any future ones, and should be as important to you as a family doctor or a solicitor.

About Client First

Client First Ltd was established in 1993 with the aim of introducing the benefits of independent financial advice to individuals and businesses throughout the UK. Since our inception we have introduced tens of thousands of people to the benefits independent financial advice.

Whether you are an individual or a company, we will be happy to introduce you to your local Independent Financial Adviser (IFA) who will be able to provide you with unbiased independent financial advice. The IFA will initially offer his/her services free of charge and without obligation, with a view to identifying the areas in which he/she may be able to help you. This service is completely confidential.