We are a firm of financial advisers based in South Wales. We started in 2004 and serve customers across the UK.
We are authorised and regulated by the Financial Conduct Authority (FCA). You can check our registration at https://register.fca.org.uk/ under the Firms Register Number: 402291.
We are directly regulated by FCA. Financial advice firms can be regulated directly by the FCA, or an appointed representative of another directly regulated firm.
We are independent. The FCA defines financial advisers as either ‘independent’, or ‘restricted’. An ‘Independent’ firm must ‘assess a sufficient range of financial instruments available on the market which must be sufficiently diverse with regard to their type and issuers or product providers to ensure that the client’s investment objectives can be suitably met’.
Key differences between independent and restricted financial advisers are:
|Independent adviser||Restricted advisers|
|Will consider all retail investment products||Yes||No|
|Can focus only on a particular market||No||Yes|
|Can consider products only from certain product providers||No||Yes|
|Has to explain to you the type of advice they offer||Yes||Yes|
|Can use ‘independent’ to describe the advice they offer||Yes||No|
|Incentivised to recommend one product over another||No||No|