Independent Financial Advisor Chelmsford

We all want our money to work hard for us and help us achieve our goals in life, but some of the big decisions, such as securing a mortgage, or drawing down a pension, are often one off events that make us more aware that we are lacking in the experience and knowledge to make sound financial decisions.

This is where a financial adviser comes in. Financial advisors in Chelmsford are local experts that have the necessary industry experience, qualifications and are regulated by the Financial Conduct Authority to help you make the right decisions. Choosing the right financial adviser in Chelmsford, that suits your needs, is important and one of the best steps that you can take for you and your money. Having the peace of mind that all your finances are in order is priceless.

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Finding the Best Financial Product in Chelmsford

Picking the right independent financial adviser in Chelmsford can arm you with the best financial advice to invest in the best products. Broadly put, a financial product is something that helps you save, invest, protect yourself against loss, plan for retirement and long term care, or manage your finances.

Some of the common financial products include:

  • Annuities
  • Financial planning or tax planning
  • Mortgage and equity release
  • Protection insurance
  • Pensions and pension transfers
  • Wealth management

How Financial Advisors Chelmsford Can Help You

Some IFAs have specialist knowledge in specific products and how they can impact your finances, and therefore we aim to match you with the best possible Independent Financial Advisor in Chelmsford to service your specific needs whether it be:

  • Investing into your pensions advice
  • Retirement planning in Chelmsford advice
  • Investing into your stocks and shares ISA
  • Mortgage advisers in Chelmsford
  • Protection insurance advice in Chelmsford
  • Investments advice in Chelmsford
  • Financial planning advice in Chelmsford
  • Life insurance advice in Chelmsford
  • Equity release advice in Chelmsford
  • Inheritance tax planning advice
  • Wills advice
  • Tax advice in Chelmsford
  • Financial services for business advice in Chelmsford
  • Particular needs of business owners and directors in Chelmsford

Independent financial advisers Essex, can help make your money work for you and help you achieve your desired results, using sound investments and careful financial planning.

Why You Should Look For An Independent Financial Advisor Chelmsford

There are several reasons why it is an advantage for you to seek independent financial advice from an independent financial adviser with an office in Chelmsford. Selecting IFAs in Essex who provide a face to face service, affords them the opportunity to better comprehend your unique situation and offer you a bespoke service which is tailored to your individual needs and goals.

This is also an opportunity for you to gain a solid understanding of how the IFAs use financial planning to make the best decisions with your money, affording you greater security and building a long lasting, trusting relationship.

Of course, you should always ensure that the IFA you choose is authorised and regulated by the Financial Conduct Authority and registered in England in order to ensure that the financial advice you receive is operating from within the law and it is prudent to check that they have offices in Chelmsford. Information on provisions, contact information including email address, phone number and whether they are authorised and regulated by the Financial Conduct Authority and registered in England can all be found on the company site.

Independent Financial Advisors Chelmsford

Here is our round-up of IFAs in Chelmsford

Advance Wealth Ltd Find an Advisor

The Mise Centre, Chelmsford, Essex, CM1 7NT

At Advance Wealth, the team of highly experienced IFAs work hard to build a long term trusting relationship with clients in Chelmsford in order to provide them with the best independent financial advice in order to secure your financial aspirations. They are genuinely committed to finding the best products and financial services for your unique needs and goals and their proactive approach provides customers with an ongoing, quality service.

Investments

Advance Wealth have access to a wide range of investment opportunities and services that they can professionally match with your available funds and appetite for risk. Whether you are looking for a simple savings account but need help identifying the best one to grow your wealth whilst taking advantage of regular payments and withdrawals, or you are more interested in equities and require assistance navigating the stock markets in order to maximise the returns on your current portfolio, the expert IFAs at Advance Wealth can help you on your personal financial journey. They will take the time to explain all your risks in an easy to digest format so together you can decide the most suitable financial path for you.

Pension Advice

The financial advisors at Advance Wealth can help to demystify the different products available to help you save and invest for your future. They will work with you to simplify the taxation and investment elements of your pension and make recommendations that are in harmony with your financial goals. Their wealth of experience can help you ensure that your pension is the absolute best product for your unique circumstances. 

Protection Advice

The financial advisors at Advance Wealth can help you secure the very best protection for your family should the worst happen. Ensuring your loved ones are financially viable in the event of your death can help them with mortgages, bills, and even college education and can even provide a lump sum to help mitigate the tax levied on your estate.

Advance Wealth are also able to extend their expertise to business clients looking to protect their key employees in order to ensure the continued success of their firm. Keyperson, shareholder and partnership protection all serve to ensure the firm’s expenses can be met and help protect the future of the business should an individual who is essential to the running of the business be unable to work or deceased. 

 

Birkett Long Independent Financial Advisers Find an Advisor

Ground Floor, Faviell House, 1 Coval Wells, Chelmsford, Essex, CM1 1WZ

Birkett Long have a team of highly skilled IFAs with access to financial services and products across the entire market to best meet your financial aspirations. Part of the Birkett Long Group, clients of their IFA office can take advantage of their financial planning manager, working together with their lawyer in order to best service your needs with a completely holistic approach. Birkett Long also demonstrate their commitment to people and the local community by not only investing in their staff with regular training, but also investing in charitable causes across the local community.

Some of the valuable financial services offered by Birkett Long include:

Managing your wealth

  • Investing in line with your financial objectives and attitude to risk
  • Mitigating inheritance tax with solutions such as lifetime gifts, trusts, charitable donations and investment planning.
  • Help identifying the most appropriate pension plan to meet your financial goals and taking into account your attitude to risk.
  • Help you understand your financial objectives in order to put a financial plan in place which will best help you achieve your goals. 

 

Advising trusts

  • Working in line with the trusts circumstances in order to develop a suitable investment platform
  • Regular reviews of trust performance
  • Working with Birkett Long solicitors to provide legal as well as financial advice
  • Assistance with trust decisions to ensure investments are in line with the trusts requirements and meeting the beneficiaries needs. 

 

Protecting you and your family

  • Providing expertise on the correct level of cover for life assurance including level term assurance, decreasing term assurance and whole of life policies.
  • Providing assistance identifying the most suitable critical illness cover from a wide selection available policies.
  • Finding the correct income protection policy to meet your needs should you be unable to work.
  • Protecting maintenance payments should the payer suffer sudden serious illness or death.

Retirement solutions

  • Helping you maximise your income at retirement using options such as income drawdown, annuity or an alternative income option.
  • Advising on how to generate income from your pension.

Care fees and later life planning

  • Whether in a nursing home, in your own home or a residential home, Birkett Long can help you make provision for any long term care should you become incapacitated.

 

Edmund Carr Independent Financial Advisers Find an Advisor

146 New London Road, Chelmsford, Essex, CM2 0AW

At Edmund Carr the IFAs work hard to simplify the complicated financial services market in order to provide you with the specialist knowledge you need to make the best decisions to ensure your financial health. 

Edmund Carr was established in 2006 in order to provide trustworthy advice on all aspects of financial planning. They prefer to work in partnership with their clients, in order to gain a sound understanding of all their financial requirements and aspirations so they can make expert recommendations to ensure a financially secure future.

At Edmund Carr they will constantly monitor and review the progress of their clients investments and provide long term financial strategies in areas that include:

Life Assurance / Protection

At Edmund Carr the advice you receive can help identify the correct level of protection to meet your unique financial needs including:

  • Level term assurance
  • Decreasing term assurance
  • Whole of life
  • Business protection
  • Income Replacement Cover
  • Critical illness cover

Pensions and Retirement Planning

Working closely with you, the IFAs at Edmund Carr will help identify the most appropriate type of pension to meet your unique requirements including:

  • Personal Pensions
  • Self invested personal pensions (SIPP)
  • Auto enrolment 
  • An annuity
  • Drawdown
  • Investments

Inheritance Tax Planning 

The IFAs at Edmund Carr offer a high calibre of experienced advice regarding mitigating and planning tax with popular options available such as writing life policies or investments in trust. They are often required to liaise with clients’ solicitors in order to provide a holistic service that best meets your needs. 

Investments

Selecting the right investments to grow your wealth is critical to the success of your venture and the highly skilled IFAs at Edmund Carr are ready to find the best opportunities to suit your circumstances and appetite for risk. This can include:

  • Individual savings accounts (both equity and cash)
  • Investment bonds
  • Enterprise investment schemes and venture capital trusts
  • Unit trusts, investment trusts, income bonds, trust investments

Edmund Carr are authorised and regulated by the Financial Conduct Authority giving the customers peace of mind that they are always acting in their best interest.

 

Tilney Find an Advisor

Second Floor, Summit House, Waterloo Lane, Chelmsford, CM1 1BD

At Tilney the IFAs employ a completely personal approach to providing their clients with quality independent financial advice. Regardless of whether you need one off guidance or require a complete financial plan, Tilney offer the expertise and customer care that your finances require in order to keep working hard towards your future. Their ongoing service will respond to changes in your personal circumstances, as well as fluctuations in the market to ensure that your financial plan continues to move towards financial health and prosperity for your future.

Tilney are able to offer specialist advice across a range of financial services in order to provide you with a holistic approach to your financial plans including:

Pensions and Retirement Planning

As part of the bespoke service offered at Tilney, your financial adviser will spend time with you putting together a picture of what you would like your retirement to look like. Working backwards from this point, they are able to then recommend products and financial services from across the entire market in order to make your retirement dreams a reality.

Estate Planning and Inheritance Tax

Knowing how to navigate inheritance tax is central to effectively reducing your tax bill when the time comes to pass on your assets. However, estate planning is more than just passing on money when you die, it is effectively planning and managing your assets in order to ensure you have sufficient funds for the here and now.

Tax Planning

Tilney work within the complexities of the UK tax system to structure your finances in such a way as to make them as tax efficient as legally possible. The benefits of various tax allowances and reliefs can be huge across a number of areas including income tax, capital gains tax, dividend income and contributions to ISAs, pensions and other savings accounts.

Life Changing Events

Tilney can offer you specialist advice in the event of a life changing event to ensure you make the right decisions under pressure.  This includes events such as divorce, dementia, and long term care.

 

Gibbs Denley Financial and Investment Advisers Find an Advisor

59 New London Road, Chelmsford, Essex, CM2 0ND

Gibbs Denley have been providing their clients with a highly personalised service since 1990 and were proud to be listed as number 13 in the top 100 financial advisers in FTAdviser Magazine from the Financial Times in 2018. Instead of telling their clients which products and services are best, they believe in presenting complex financial decisions in a way that is easy to comprehend, thus empowering their clients to make confident decisions regarding their future.

Financial Planning

Gibbs Denley employ a holistic approach to financial planning in order to provide individuals, families and corporate clients with the best possible solutions and services in order to meet their goals. They take the time to get to know you and your unique situation, as well as your aspirations and attitude to risk in order to provide you with easily digestible information on:

  • Retirement planning – preparing you financially for the retirement you aspire to.
  • Pensions – advice on new and existing pensions for individuals and corporate clients.
  • Wealth management 
  • Tax planning – helping you utilise all investment and tax allowances and navigating income and inheritance tax in order to mitigate your tax liability.
  • Protection – income protection should you be unable to work and business protection for corporate clients and business partners.

Once their skilled adviser has recommended and implemented the right plan to help you attain your goals, they will continue to work with you to continually review and monitor your progress in order to ensure that your plan continues to perform optimally against changing markets and your own changing personal circumstances. 

Wealth Management

As part of their holistic service, Gibbs Denley can combine your tailored financial plan with bespoke investment advice services to help you grow your wealth. They will ascertain your risk profile and use their expertise alongside extensive research in order to create a personalised investment portfolio. Clients of Gibbs Denley are able to access their portfolio online where up to date information provides them with valuation and performance tracking so you can continually monitor and track the performance of your portfolio. 

 

Goodlad & Co Ltd Find an Advisor

4th Floor, Victoria House, Victoria Road, Chelmsford, Essex CM1 1JR

Goodlad & Co provide their clients with the best possible products and services at the best possible price to suit their unique circumstances. They scan and analyse the whole of the market in order to do this as well as spend time really getting to know you and your personal aspirations in order to best meet your requirements. This is very much an ongoing service, as the independent financial advice that you receive from Goodlad & Co is continually reviewed and adjusted to reflect the changing markets as well as your evolving circumstances.

The advisers at Goodlad and Co pride themselves on providing a completely honest and transparent service so if they cannot improve on your current circumstances they will make this clear before charging you a single penny.

Protection

Without appropriate protection, even the most comprehensive plans can become derailed due to unforeseen circumstances and life events that take place. Having the right level of protection in place, at the right price can provide you with the security you need in order to financially plan for the future, no matter what happens.

Retirement Planning

The advisers at Goodlad will take the time to discuss with you what your ideal retirement looks like to you, so you can work together to make this a reality with a bespoke plan.

Equity Release

The advisers at Goodlad can help you release some of the equity that you have tied up in your home so you can get a lump sum to enjoy your retirement. They have the expertise to navigate lifetime mortgages and talk you through the various options and interest rates and advise you on the best plan for your circumstances. 

Investment and Wealth Planning

The experience and expertise afforded to clients of Goodlad, can help successfully build an investment portfolio that is in line with your appetite for risk to grow your wealth to meet your aspirations.

Long Term Care Planning

Knowing that you can afford long term care should the need arise can provide you with peace of mind. Goodlad can help you navigate the different options to plan for the best one to suit you.

 

Copperhouse Financial LTD Find an Advisor

Moulsham Mill, Parkway, Chelmsford, Essex, CM2 7PX

With over 20 years of industry experience, the IFAs at Copperhouse offer a truly bespoke, quality service to both individuals and companies seeking advice. They take the time to thoroughly understand your unique circumstances and aspirations in order to develop a fully appropriate financial plan that is clear and easy to understand in order to empower you to make the right decisions for your future.

Copperhouse have disposed of some of the formality surrounding financial planning in order to present a completely transparent and clear path to financial security for you.

Personal Planning

Copperhouse can help demystify some of the jargon surrounding personal planning and give you the confidence that your money is working hard towards your financially secure future. They can help you with the following services:

  • Pensions
  • Retirement planning
  • Inheritance tax planning
  • Estate preservation
  • Life assurance
  • Health care
  • Investments and savings
  • Offshore investments
  • Mortgages
  • Home insurance

Mortgages

Buying, financing and insuring your home is often the single biggest financial commitment you can make. Copperhouse offer completely impartial, independent financial advice to ensure that you have the best products at the best price at every stage. They can review your current setup and put together recommendations that take into account all fees, charges and costs to ensure you are receiving proper value across the following:

  • Offset and flexible mortgage
  • Variable mortgage
  • Tracker mortgage
  • Capital and interest mortgage
  • Interest only mortgage
  • Fixed rate mortgage
  • Buy to let mortgage
  • Council right to buy
  • Equity release
  • Commercial mortgage

Corporate Planning

The advisers at Copperhouse strive to help business owners navigate the complexities surrounding corporate tax and corporate planning in order to offer you the best advice to take your business forward. They are able to offer a comprehensive financial health check in order to put a bespoke management and planning portfolio in place. They are also able to offer you advice on the best products for commercial insurance in order to properly protect your business as well as help you identify sources of business finance.

 

Montage Wealth Management Find an Advisor

135/137 New London Road, Chelmsford, Essex, CM2 0QT

Montage are an award winning wealth management firm who have set out to put the advantage back on the side of the investor when it comes to your money. They believe that by utilising the latest technology and techniques in financial planning that they can create the best possible portfolio for your unique circumstances. 

The first step in your journey with the advisers at Montage is creating a picture of who you are, your circumstances, current finances and all the other pieces of information that make up your financial life, and use these to create one big picture that is easy to comprehend and can be used to ascertain your goals. At Montage it is their experience that most clients are aspiring to financial freedom, being in a position to be financially independent with enough wealth to make the choices you want to make, when you want to make them.

Using this information Montage Wealth Management put together your unique portfolio. Your portfolio is all about you, your current circumstances, your aspirations and your attitude to risk. The advisers at Montage will use this information to spread your investments across a carefully selected range of assets which they will constantly review and adjust throughout the lifetime of your investment. Some of the specialist areas that the financial advisors can assist you with include:

Investments

The financial advisers at Montage know exactly how to balance investing to ensure you are efficient with tax, avoiding unnecessary charges, finding the best products and ensuring the correct level of flexibility for your money.

Pensions

The financial advisors at Montage will work to put a plan in place that facilitates the retirement you want, at the time you want to take it. 

Inheritance tax

The financial advisers at Montage will work with you to devise an estate plan that mitigates your exposure to inheritance tax, ensuring that your beneficiaries are well looked after in the event of your death.

Business

Montage work with business owners and business partners in order to put together a sensible plan to secure the financial health of your business both now and in the future.

Protection

Your ability to work is likely to be your greatest asset and therefore it stands to reason that this is one of the most important aspects of your life to protect.

 

Sterling & Law Group plc Find an Advisor

Waterhouse Street, Chelmsford, Essex, CM1 2TY

The independent financial advisers at Sterling & Law use their years of experience and study to provide you with an effective, proficient service with you and your needs at the centre of everything they do. Standards are important at Sterling & Law and they aim to deliver on your needs and aspirations, taking the time to understand your priorities and providing you with an ongoing professional service. 

Sterling & Law make it their business to learn everything they can about your unique situation and review all your current finances in order to make a thorough assessment of your particular requirements. They work with you to quantify your aspirations and then provide you with meticulously researched advice. 

Wealth Management

The comprehensive wealth management service at Sterling & Law using years of experience and expertise to help you identify the kind of future you desire, and how best to achieve that future. Clients are provided with clear, transparent advice that facilitates positive outcomes in the following areas:

  • Savings and investments – helping you choose the best products to achieve your financial future.
  • Retirement and pensions – helping you save enough for the retirement you aspire to.
  • Estate planning – helping mitigate your exposure to inheritance tax, write your will and establish trusts where appropriate.
  • School fees plan – helping you establish the true cost and whether private education is realistically achievable.
  • Ethical and socially responsible investing – working within you ideals and principles to achieve financial stability.

Financial Planning

The independent financial advisers at Sterling & Law take the headache out of complex financial markets to give you the best possible leverage in order to make your finances work hard towards your financially viable future. They take time to fully understand your current finances and goals in order to provide advice regarding your existing arrangements and make a sensibly balanced plan taking into account your current income, expenditure and prospects. 

  • Retirement planning – review of your existing provisions and a comprehensive plan on the best products moving forward.
  • Protection planning – ensuring you have adequate protection to ensure your financial security, regardless of what life throws at you.
  • Investing – constructing a tailored investment portfolio using years of experience and expertise. 
  • Financial planning – giving you the best possible chance of achieving your goals and aspirations.
  • Mortgages – accessing the whole market in order to identify the best possible product for your unique circumstance.
  • Tax – providing you with the most efficient tax saving strategies.
  • Corporate and business – providing guidance and advice to help business owners navigate the complex corporate financial marketplace.

 

Lighthouse Financial Advice Find an Advisor

St Lawrence, Southminster, CMO 7NE

At Lighthouse Financial Advice they use their wealth of experience and extensive qualifications to create a truly bespoke plan to help you achieve your lifetime financial ambitions. 

Pensions and Retirement

At Lighthouse your financial adviser can help put a pension plan in place that really will leave you with enough funds to enjoy your retirement with complete financial security. They can help take some of the confusion out of the various products available and work with you to determine your goals in order to make sure your money is working hard for your future. Lighthouse can help you save, budget and plan for emergencies, pension and retirement using the following:

  • Investments
  • State pension entitlement
  • Personal pensions
  • Wealth structuring
  • Acquiring a suitable insurance
  • Planning future taxes and mortgages

As well as this Lighthouse are able to assist business owners secure the best possible retirement planning for their employees resulting in better employee retention and acquisition of talent.

Estate Planning

Reducing the inheritance tax on your estate can have huge advantages for your beneficiaries. There are a number of ways to reduce this bill and ensure your family are well looked after in the event of your death such as setting up a trust, gifting, reducing your estate and managing the tax.

Financial Planning

At Lighthouse they employ a personalised service to help make your future more financially secure. They can help advise, secure and implement the following:

  • Pensions
  • Insurance and protection
  • Drawing your pension
  • Savings and investments
  • Outgoings
  • Wealth protection
  • Savings and investments
  • Pensions and retirement

Investments

At Lighthouse your financial adviser can help you make informed investment decisions to help you secure and grow your wealth. Your financial adviser will take the time to source the best portfolio to match your current circumstances as well as your appetite for risk to ensure your investments are providing you with the best opportunities to achieve your financial goals. This way you can be certain that your investments are taking advantage of any tax-deferred, taxable and tax-exempt investments available in order to ensure you are as tax efficient as possible. 

 

Most common question Peter and the team get from investors in Chelmsford

 

 

I see adverts in Chelmsford for Financial Advisers and Financial Planners, what is the difference?

Whilst there is most definitely an overlap between the roles of a financial planner and a financial adviser, they do have important differences that you should familiarise yourself with before you engage their services. Both financial planners and financial advisers will assess your current situation in order to put together recommendations to improve that situation.

A financial adviser has the primary ambition of helping you to manage your money including:

Investment and savings management
Estate planning
Retirement planning
Insurance services
Debt repayment
Tax planning

Financial planners however are one type of adviser who specialises in creating a plan to help companies and individuals achieve their long term financial goals and can include entities such as:

Retirement planning
Education funding planning

It is important to note that whilst a financial adviser will possess qualifications and credentials to help them achieve their purpose, just about anyone can call themselves a financial planner without possession of any qualifications.

If I choose a local Chelmsford based financial adviser, what is it they will do?

The primary role of a financial adviser in Chelmsford is to assist individuals in achieving their long term and short term goals. In order to accomplish this, financial advisers will meet with clients to assess their needs and work alongside economic trends, regulatory changes and the clients wishes in order to help them with investments, tax laws and insurance decisions.

Some of the typical tasks undertaken by a financial adviser can include the following:

Recommend investments, select investments, and research investment opportunities. 
Provide clients with tax advice appropriate to the United Kingdom.
Assist clients with insurance decisions and select the best products available.
Help clients prepare for specific circumstances such as education expenses or retirement.
Monitor client accounts and make appropriate changes to improve account performance.

How much should you pay a financial adviser in Chelmsford?

There are many variables as to how much a financial adviser in Chelmsford will charge you including the specific advice you are after and the billing structure. Some of the different ways that you can expect to be billed for the services of a financial adviser include: 

An hourly rate, which in Chelmsford will average at around £150 an hour although you can expect to be charged anywhere from between £75 to £350.
A set fee. This can be the case should you wish to engage the skills of a financial adviser for a specific job.

A monthly fee is often agreed for ongoing advice such as managing investment portfolios. This can be done in one of two ways, either via a percentage of the amount of money you are investing with them or alternatively as a flat fee. 

There are many elements that will affect the fees that you are charged for financial planning advice, including the level of qualifications that the adviser is in possession of, the location of the adviser, the complexity of your situation, and how the service is delivered.

Many financial advisers will offer a free consultation in order to discuss their expertise and the fees. This is a great way to establish whether they are the right service for your needs.

What is the difference between an independent financial adviser and a financial adviser?

A financial adviser, sometimes referred to as a restricted adviser, can only give advice on a limited number of products such as insurance, mortgages and pensions, so while they may be in a position to provide good advice, they don’t always have access to the best products to suit your unique circumstances.

Conversely, an independent financial adviser has access to the entire market and can therefore match the best product for your situation. An independent financial adviser has extensive knowledge of all financial areas including investments, savings, insurance, pensions, tax and family estate management and should be authorised and regulated by the Financial Conduct Authority in order to ensure ethical practice in line with your best interests.

What does IFA stand for?

Simply put, IFA stands for independent financial adviser. An independent financial adviser in Chelmsford can take the time and guesswork out of maximising your current income, preparing for retirement, wealth management, and ensuring your family are provided for in the event of your death. 

How do I choose a financial advisor in Chelmsford?

Commission driven products such as payment protection insurance have changed the way that financial advice is regulated in England. Tougher standards have been introduced banning commission driven sales and requiring advisers to hold higher levels of qualifications. However, there is still a variation in the quality of advice you can receive and you should be wary about simply employing the assistance of the first investment advisor you come across.

Firstly, you should ascertain what your requirements are so you don’t get drawn into paying for a full service that you don’t actually need. The most common areas of financial planning are usually paying off debts, building savings, mortgage advice, pension schemes and employer protection benefits. 

If you are facing a big decision that requires a fair bit of cash, then you could certainly benefit from the advice of a professional. Decide if you need one off advice or if you would benefit from an ongoing service.

It is also prudent to determine if you would like face to face advice, in which case you will need to employ the support of a company with offices in Chelmsford. Face to face advice can help build a trusting relationship with your adviser should you require ongoing support.

Whilst an independent financial adviser may initially incur a greater cost for their expertise, they can offer you any products from across the market rather than being limited to expensive or poor performing products that benefit the advisor financially. Bare this in mind when you are deciding whether to employ an independent financial advisor or a restricted financial advisor. 

The last thing to take into consideration are the fees charged. You may need to meet with a few advisers to discuss their payment structure and find an arrangement that suits you and your individual requirements.
Always remember to check the company privacy policy before handing over information such as your phone number or email address.

What is an independent financial adviser?

There are several products and services available on the market that you will require over your lifetime including insurance policies, mortgage advice, pension plans and banks. Whilst it is common for people to go direct to source without advice, you will generally only be able to purchase the products and services from that single source and they may not be the best available to suit your individual requirements and maximise on your financial planning.

An independent financial adviser has access to the whole of the market and can use their training and expertise to identify and offer to you the best product or investment to match your personal circumstances or business. In this way they can help you realise your financial goals and aspirations through careful financial planning.

How do I find a good IFA in Chelmsford?

A good place to start is to seek a personal recommendation for an IFA Chelmsford. An IFA’s success with another client will speak volumes about their level of service.
Alternatively, you can find details of trusted IFA’s in Chelmsford using these webpages. You should take a moment to ensure that any IFA is regulated by the Financial Conduct Authority and registered in England before you engage their services.

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Peter Field - CFA

Peter Field

Editor in Chief

Peter uses his many years of experience to oversee the reviews and guides published on InvestingReviews.co.uk

When not at his desk, Peter is training for his next triathlon and trying to be a great dad and husband.

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