Financial advisors can help you plan your finances, invest money and make the most of your assets. They can also help with debt management and improve your UK credit rating. They are typically regulated by the Financial Conduct Authority (FCA) and should have Level 4 qualifications and a Statement of Professional Standing.

A Trusted Financial Advisors in the UK should ask questions and carry out a full fact find before offering advice, and use their knowledge to spot areas where you could save money. They will also have a range of digital tools and client portals for reporting and portfolio management. They may offer a fully bespoke service or specialise in particular product types. This can affect their fees and how they are paid, which is why it’s important to choose a reputable adviser.

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If you want to find an independent financial advisor in the UK, websites such as Unbiased can help. These sites compare advisers’ qualifications, experience and customer testimonials. Some also allow you to filter by specialist services such as green finance, ethical advice and debt management.

You can also use Vouched for, which helps you find financial advisors near you. It’s also a good idea to check your adviser’s FCA registration on the Financial Services Register. This will show whether they are a regulated adviser and, if so, what kind of protection you have if things go wrong. Alternatively, you can contact the Financial Ombudsman. If you are paying for advice, your adviser should provide you with a Key Facts Document outlining their fees and the work they will do for you.