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