On 1st December 2004 new rules came in to force for financial advisers, which will be the biggest change on the financial high street for 17 years. 

Until recently, there were two main ways of seeking financial advice for products such as life assurance, personal pensions and investment such as stocks and shares and ISAs: either through an independent financial adviser or a tied agent. Following a radical shake-up by the consumer watchdog the Financial Services Authority (FSA) of the way financial products are sold, there is now a third way: though a multi-tied agent.

Despite these changes Roger Wickins of RJM Financial Consultancy remains an independent financial adviser (IFA), offering local consumers and businesses unbiased financial advice on a number of products by researching and recommending from the whole market. Roger Wickins and RJM Financial Consultancy, are not linked to any particular product provider and will offer clients the option of paying by a fee, rather than taking commission, or a combination of both, from one, or a select group of providers. 

Independent advice, as offered by Roger Wickins is the only type of advice that gives consumers and businesses access to all products on the market through a qualified practitioner, providing you with the most suitable financial product to match your individual needs. 

To find out more about the recent changes to financial advice and to discuss your own individual financial needs please contact Roger - 01606 40250 who can provide you with a free consumer guide, put together on their behalf by IFA Promotion, the organisation promoting the benefits of independent financial advice. Alternatively, to get a copy of this guide call free on 0800 085 3250 or visit www.unbiased.co.uk.