Independent Financial Advice

UK Financial Advisers

PHA Insurance Services Ltd can direct you to sources of Independent Financial Advice for the individual, family or company on all matters of a money, savings, investment or insurance nature.

You worked hard for your money but is it working hard for you? We recognise that protecting your money and your future requires skilled and professional advice, if you are to make the most of your assets.

Ask yourself these questions:

• Do I need life assurance for myself or my family?
• Do I need term life, whole life or an endowment policy?
• Should I invest my money in the latest type of scheme on the market?
• What would happen if I could not work through illness or accident?
• Have I forgotten to protect my assets in any way?
• How much money will I have when I retire?
• Do I need a pension or are there other ways of providing for old age?
• Could I spend less money on my mortgage or other loans?
• Would offshore investment be advisable for me?
• Am I making the most of my tax breaks?
• Can I get more interest on my bank accounts?
• Are bonds good places to invest?
• Is there a better Credit Card for me?
• How can I sort out my debts?
• Would an ISA be right for me?
• Can I afford to buy stocks and shares and how much can I risk?
• Should I keep or cash-in my old policies and investments?
• Can I afford the benefit of private medical insurance?
• What special advice do I need if I were to become self-employed?

All of the above questions could have different answers depending on your particular circumstances. What is right for one person could be a poor strategy for another. We cannot stress too highly that it is vital for you to obtain truly unbiased Independent Advice. This standard of advice is NOT available from a single insurer, company or tied agent who will only try to sell your their own range of products and services whether they be the best for you or not. There is now a status of "multi-tied" which is a half-way position. Every financial adviser's web site that you visit should make their position clear to you.

We do not advise on investment related products but you will be able to find access to a wide range of companies and brokers by following the links on this page.

Your Adviser will take careful details of your present situation and will then research the market to select from all the products available. Be sure to give the financial adviser a true picture of your situation. You can only be advised as per the circumstances perceived by the adviser.

To find INDEPENDENT ADVISERS, please click here.