Who Needs Independent Financial Advice?

Most major decisions in life call for a specialist - like contacting a solicitor when you buy a house. But when it comes to financial planning, many people either do nothing or try a bit of DIY! Your financial well-being is a very important aspect of your life, so you should look for professional financial advice. Professional advice can come from various sources and it is important that you understand the main differences between them.

Where to go?

Appointed Representatives, Tied Agents and members of Direct Sales operations only represent one Company or Marketing Group. They do not have the freedom to review the whole financial services market in advising you on your needs so the key word to look for is "independent".

EMF are Independent Financial Advisers - which means we are not tied to the products of any one company and our advice is completely impartial. We therefore have the freedom to choose from the entire financial services marketplace.

Which Products?

The range of financial services on offer today is so vast that very few Independent Financial Advisers have the resources to make meaningful comparisons between them.

Independent Financial Advisers who are members of the Countrywide network - like EMF - have a major advantage. Countrywide is the UK's premier network for independent financial advice, providing its members with a full range of support services, including a dedicated team of research specialists.

The research team evaluates and monitors products, recommending only those which meet certain criteria, such as investment performance, charges, flexibility and financial security.

The collective strength of the Countrywide network means that Countrywide can also negotiate enhanced terms with many of the major financial institutions on your behalf.

This strength of resource, coupled with EMF's knowledge of your needs, means you will receive the best quality of service, expertise and advice available.

What safeguards are there?

Countrywide is regulated by the Personal Investment Authority (PIA) and complies with its rules, regulations and strict codes of conduct which are designed to protect your financial security.

EMF conduct their business according to the 1986 Financial Services Act and subscribe to the Investors Compensation Scheme.

EMF have also proved to Countrywide and the PIA, through widely recognised professional training and examinations, that all our Advisers have an excellent level of financial knowledge.

Personal to you

EMF will conduct a full and confidential financial review and needs analysis to produce a personalised financial plan, specific to you. Only then will we be in a position to recommend effective solutions.

For further information or a no obligation confidential financial review e-mail Elizabeth Foran
or telephone 01189 8376060.

EMF Financial Services is authorised and regulated by the Financial Services Authority.