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      • Cliff Pocock
      • Guy Campbell
      • Sam De Zoysa
      • Clare Kingdon
      • Hannah Peyton
      • Luca Gilfillan
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Menu
  • About
    • Background & Aims
    • Meet the Team
      • Cliff Pocock
      • Guy Campbell
      • Sam De Zoysa
      • Clare Kingdon
      • Hannah Peyton
      • Luca Gilfillan
    • Make an Appointment
  • Personal Financial Planning
    • Initial Meeting
    • Financial Planning Report
    • Investment Process
    • Ongoing Service
    • Review Procedure
  • Corporate Financial Planning
    • Initial Meeting
    • Ongoing Service
    • Auto-enrolment
  • Mortgages
    • Mortgage Types
    • Mortgage Help
    • Make an Enquiry
  • Resource Centre
    • Downloads
    • Calculators
      • Mortgage Calculator
      • Loan Calculator
      • Savings Calculators
      • Inheritance Tax Calculator
      • Income Tax Calculator
      • Stamp Duty Calculator
    • Useful Links
    • Definitions
    • FAQs
    • Recruitment
  • Compliance
    • Treating Customers Fairly
    • Independent Advice
    • How We Charge
    • Complaints Procedure
    • MiFID II
  • News
  • Blog
  • Contact Us: 01932 830664
  • Privacy Policy
Independent Advice

Independent Financial Advisers (IFAs) are rightly proud of their Independent status and they are easily identifiable by the IFA logo found in the bottom right-hand corner of this page.

In essence, Independent Financial Advisers have NO TIES with, or any commitments to any of the providers of the arrangements that might be recommended to you. An Independent Adviser is committed and obliged, by nature of his or her regulated status, to give you advice sourced from the whole market and not from a few chosen providers.

We, at Ward Williams Financial Services Ltd, strongly believe that Independent advice is the best advice that you can get. This is the only way you can be sure that the adviser you are dealing with has your best interests in mind when advice is given. It is the only way, also of ensuring that you have the best options available when you come to pay for the advice.

All advisers are personally regulated by the Financial Conduct Authority (FCA) and it is possible for an adviser to be regulated in three ways:

  • Tied;
  • Multi-tied;
  • Independent

When you receive advice from a Tied Adviser, he or she can only make recommendations that relate to the provider to whom they are tied. This result is that it limits the choice of provider to one. The product recommended will be the product only of that provider and, it will not necessarily be the most suitable/most cost effective/best performing/most flexible. It will just be the product offered by that provider. Many high-street banks, building societies and life insurance companies with direct sales teams operate this way.

A multi-tied adviser has links with more than one company so in theory can offer greater choice. However, there is no guarantee that there is more choice – they may just use different providers for different products – for example, they may use one company for life assurance but a different company for pensions. In this way, and for a particular product, they are similar to a Tied Adviser.

A Tied Adviser matches a client to a product rather than a product to a client.

An Independent Financial Adviser, however, works hard to understand the client, their circumstances, their needs, hopes, fears and dreams. In order to help them, a particular product, such as life assurance, may be suitable. In the case of the IFA, they will then research the whole market to find the, most suitable and most cost effective product undertake from the whole market that best fulfils the clients’ requirements.

All advisers will seek to be remunerated for the work that they do. All advisers have to set out how they are going to charge, and how much they are going to charge in advance of providing advice.

IFAs are the only advisers who MUST give you the option of paying for this advice by way of fee rather than commission. This means that they offer more flexibility on how they charge for their services.

Meet the Team

Cliff Pocock

Guy Campbell

Sam De Zoysa

Clare Kingdon

Hannah Peyton

Luca Gilfillan

Background & Aims

  • Background & Aims
  • Meet the Team
    • Cliff Pocock
    • Guy Campbell
    • Sam De Zoysa
    • Clare Kingdon
    • Hannah Peyton
    • Luca Gilfillan
  • Make an Appointment

Latest Blog Posts

Protect your Pension pots

18 Feb 2019

Spring Statement date announced

11 Feb 2019

Inheritance Tax – A silver lining?

04 Feb 2019
See all

Ward Williams Financial Services Limited Registered in England and Wales, No.04359977 Registered Address: Belgrave House, 39-43 Monument Hill, Weybridge, Surrey, KT13 8RN Ward Williams Financial Services Ltd is authorised and regulated by the Financial Conduct Authority We are entered on the FCA Register No 463099 at http://www.fsa.gov.uk/register/home.do The information contained within the Website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

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