Quick Response | Local Advice | FCA Authorised
This service is free without obligation and allows you to explore your options without committing yourself however, if you choose to take the advice of a fully regulated advisor or IFA there may be a charge or fee.
Get Free Unbiased Local Advice From A Financial Advisor
Tim Sands MCSI
Local Financial Advisor (North West)
Over 1100 enquiries answered last month from 50 top IFA firms
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Any questions? Lines are open: Mon - Fri: 9:00am - 4:30pm. Talk to us on 0800 5200 817
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"What I liked was finding out more about the changes to the pensions market that took place in 2015."
Steven Walker - Edinburgh
As featured in
"95% of IFA Direct Home's Pension Review Appointments resulted in the financial advisor being certain
that the performance of the pension could be improved"
Ryan Mellor, Co-founder IFA Direct Home
IFAs & Restricted Advisors
FREE first advice
What to expect
From April 2015, under new pensions flexibility rules you can now take some or all of the money directly from your pension pot at the age of 55, but only 25% of this will be tax free. You can also choose to buy an annuity or put your money into a drawdown.
But what is the right course of action for you and which will leave you in the best financial position during your retirement? A retirement advisor can review your financial situation and provide advice on the best option for you.
Do I need a financial advisor?
When it comes to making financial decisions, getting unbiased financial advice from a regulated financial advisor or IFA is crucial and could save you a lot of money in the long run.
Whether you are planning for your retirement, reviewing your pension, looking to invest funds or release equity in your home, a financial advisor can provide you with the right advice to make an informed decision. And because all our financial advisors and IFAs are regulated you have peace of mind that you are receiving unbiased advice and if they cannot better your current financial position they will recommend you leave things as they are.
Equity release allows you to access some or all of the equity tied up in your home. There are different types of schemes on the markets and you also have the option to ring-fence some of the value of your home to leave as inheritance for your loved ones.
Deciding to release equity in your home is a big decision and it’s important to get unbiased financial advice to make sure you choose the option that’s right for you.
Inheritance tax is paid on the value of assets left behind when someone dies. If your assets (also known as your ‘estate’) are left to your spouse then no inheritance tax is applied, but if you leave your assets to friends or family and their value exceeds a certain amount they could be liable to pay inheritance tax.
A financial advisor or IFA can review your personal situation and help you to avoid passing on a large inheritance tax bill to your loved ones when you come to pass on your assets.
Insurance and protection
Inheritance tax planning
Retirement income planning
All investments come with an element of risk and the type of investment that is right for you will depend on the stage you are at in your life, the level of funds you have available, the level of risk you can afford to take and your overall aims and goals.
An investment advisor or IFA can provide unbiased advice on the types of investments available and recommend the right investment or savings plan for you.
Investments and savings
With so many different types of insurance and protection products on the market it can often be difficult to know which plan is right for you or whether you need these products at all.
Whether you are taking out a new insurance or protection plan or whether you want to change from an existing plan, a financial advisor can review your circumstances and advise you on the right plan that provides you with the right level of cover for you.
How much of your pension contribution is actually going towards your pension pot and how much is being eaten up by charges? Is your pension performing for you or is it losing money in any given year?
A financial advisors or pension IFA can review your current position, advise you on its performance and search the pensions market to find you a better deal that will leave you financially better off when it comes to retirement.
While IFA Direct Home take every care in making their recommendation, any contract or agreement is between the selected financial advisor and the client. IFA Direct Home cannot be held liable for any failure on the part of either of the parties concerned. We provide access to both fully Independent Financial Advisors (IFAs) and Restricted Advisors and refer to both types of advisors as a 'Financial Advisor' throughout this website. Both Independent Financial Advisors (IFAs) and Restricted Advisors provide 100% unbiased financial advice. This means that in the event the advisor is unable to provide a better product then the advisor's recommendation would be to do nothing.
Any questions? Talk to us on 0800 5200 817. Lines are open Mon-Fri: 9:00am - 4:30pm.
RMT Group Limited, trading as IFA Direct Home, is licenced by the H.M. Government of Gibraltar for the provision of generating online financial services leads. License number BL160240. RMT Group Limited registered office is at Suite 3, Second Floor, Icom House, 1/5 Irish Town, Gibraltar GX11 1AA, with registered company number 112738. Copyright 2015 RMT Group Limited. All Rights Reserved.
If you are an Independent Financial Advisor or Restricted Advisor and would be interested in working with us. Click here to find out more.