Need Money? Apply today.
How long been they been in business, and what qualifications do they have.

Do they specialise in a particular area, for example pensions or are they all rounders. Choose one to suit your needs.

How are they paid. An independent financial advisor is paid either by a fee directly from you, or by commission paid to the advisor by the company selling the product.

Fee versus commission. An advisor should always give you suitable advice regardless of the commission that could be earned. However, some financial advisors may be tempted to sell the products that earn them the most. They should always tell you how much commission they will be paid. If they don’t, ask.

Paying fees is one way around this problem. Fee-based advisors have nothing to gain from particular products. Ask how the fees will be worked out.