| About
Us |
| Background |
| The AdviceOnline website was one of the very
first independent money sites to offer regulated
independent financial advice online when launched
back in 1997. We have grown substantially since
then and now offer a huge range of unbiased financial
services via the Internet. We do not allow any
banner advertising on the site as our aim is to offer
unbiased easy to use independent financial services.
|
| Who are AdviceOnline Ltd?
|
| We are UK Independent Financial advisors, or
IFAs, directly regulated by the FSA (Financial
Services Authority). We are truly Independent
and our sister company Park Row Associates employ highly qualified independent financial
advisors who can give unbiased financial advice
with or without the need for a face to face meeting
using Internet technology. |
| How do we work? |
| We offer a combination of Independent Financial
Advice and unbiased financial information with
a huge range of compare and buy financial product
finders, product guides, planning tools, articles
and fund supermarkets: |
| -Financial Advice |
| We offer expert independent financial
advice via our sister company "Park Row Group
Plc" with a team of 400+ independent financial
advisors working from forty offices strategically
located throughout the United Kingdom. Advice
is given by telephone, e-mail and written report
with face to face meetings only when requested.
All financial advice and recommendations are based
on your specific requirements and fact find information
following detailed analysis by a professional
advisor using a combination of experience and
full research facilities. AdviceOnline and Park
Row are are licensed by the Office
of Fair Trading Consumer Credit Licensing Bureau,
and are registered under the Data Protection Act. |
| -Financial Information
is split into several services: |
- Compare and Buy Product Finders - You enter
your requirements and the system will list
all matching products available ( Personal
loans for example) with the cheapest first.
You can then choose to look at detailed information,
download a quote, or go straight to the online
applications.
- Fund Supermarkets - You can access information
on all UK investment funds and then buy single
or multiple funds at a significant discount
within a single wrapper. Our Multi Fund Shops
allow you to invest in ISAs, Unit trusts and
PEPs using discount fund supermarket technology.
- Product Guides - We offer a huge range of
product guides written in plain English to
ensure that clients have a full understanding
of all products before purchasing or requesting
information.
- Financial Articles Archive - Whatever the
subject we will probably have a well written
and interesting article for you to read and
print off. We update the articles regularly
so there is always up to date topical information
available.
- Financial Planning Tools - we offer 28 interactive
financial planning calculators that can be
used to prepare and manage your own financial
plan. Tools range from a Mortgage Repayment
Calculator through to a Portfolio Analysis
Tool.
- World and Market News - Up to the minute
news and information on world stock markets
and breaking financial stories throughout
the UK and the rest of the world. Includes
delayed graphical world indices information
on the front page.
|
| Why take independent financial
advice? |
| By taking unbiased "independent" advice
you get more choice than you would by going to
a Direct Insurer. More choice generally means
lower premiums and a contract that is tailored
to suit your individual needs. If you are thinking
of buying direct from a specific Insurance Company,
be aware that an individual company may be only able to advise
on one product. |
| How do our independent
financial advice services work? |
| Financial Services and Markets Act 2000 requires that financial
advisors obtain information about their customers
before offering advice or recommendations. This
makes sense as without personal information it
would be impossible to recommend products that
suit an individuals specific requirements. To
obtain this information we ask that you either
complete a secure online enquiry form that takes only 2-3 minutes. You will then need to complete a full fact find either by telephone or face to face with an adviser.
On receipt of the required information an advisor
will be in a position to review your personal
finances and make recommendations that are specific
to your stated requirements taking into account
your attitude to risk and existing investments.
An advisor will forward a written report by post
and email and then if required we will contact
you by phone to discuss the recommendations and
any further requirements. A face to face meeting
can be arranged if preferred. |
| What does the independent
financial advice cost? |
| The initial consultation is free and you are
not obligated to take up any recommendations although
this may be advisable. If you decide to proceed
with the recommendations the products will be
established on either a fee or commission basis.
|
| What
if I do not require advice? |
If you carry out your own research and have
a good understanding of financial products, and
the risks involved in investing in equity backed
products, you may wish to use the AdviceOnline
financial information (Direct Offer) services.
Direct Offer means that we offer a choice of products,
and key features information, which you can self
select without any client specific advice. This
means that a basic product may exclude options
such as waiver of premium, life cover, or critical
illness. Mortgages may not include Mortgage Protection,
Life Cover or options such as Accident , Sickness
and Unemployment insurance. With this service
AdviceOnline do not offer client specific advice
on the product, the fund choice or if the product
is suitable for you in connection with your overall
financial position. If you require any options
not available or feel that you need advice of
any kind it is essential that you use the Advice
Services. This service only applies to Mortgages and Investments.
|
| How do I contact you? |
|
You can call 08000 151613 for Independent Financial
Advice or 08000 962259 for our other services,
or email advice@adviceonline.co.uk
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