The law differentiated between

• Tied agents who work for specific companies, recommending products from one particular company's range only and
• Independent Financial Advisers or IFA's, who offer impartial advice and select products accordingly from the marketplace as a whole

The law [ Financial Services and Markets Act 2000 ] has been changed to allow partially-tied agents, nevertheless one key advantage of taking an independent view becomes immediately apparent - choice.

Best Advice
In addition, an IFA is legally obliged to give you what's known as best advice, a term with a precise legal definition.  It means gaining a full understanding of your circumstances and aims, before helping you choose any financial solutions best suited to your individual needs.

The Financial Services Authority regularly check that IFAs are following these rules.

So how do you choose an adviser?
If you are interested in making your money move in an ethical direction or want flexible arrangements for your individual or organization's pension and other savings schemes then it makes sense to consult a company such as GÆIA which specializes in these areas. Why choose GÆIA?