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If you want financial advice, it is usually much better to go to an independent financial advisor rather than someone who is tied to a particular company. Independent financial advisor’s can advise you on the whole range of products in the market, whereas a tied agent a company representative will only be able to sell you the products of one company. Even if they are good, they may not be the most suitable products for you. So always check that you will be getting independent advice before you make an appointment.

Consulting more than one advisor and compare the products they are recommending is a good idea.