How can an independent financial advisor help me?

You may want to consult an independent financial advisor (or IFA). These are professionals skilled in giving independent advice to people about money. They should always provide a free initial consultation. After that they will either make their money from commission they receive on any investments you make, or charge you a fee but pass on the commission payments to you instead, or some combination of the two.

You are almost certainly best advised to consult an IFA rather than your bank. Most banks (though not all) will only try and sell you their own savings and pensions products. Some of these may be good value, but they will not have the wide range available to an IFA.

You can also exercise a degree of choice in finding an independent financial advisor (IFA). Some specialise in advising on ethical investment, while some others specialise in the particular needs of the gay and lesbian community.

You can get a list of local independent financial advisors from IFA Promotions on 0800 085 3250 or try their website: www.unbiased.co.uk