If you drop into your high street bank, you may be greeted by a financial adviser who offers to help review your investment options, if you have time.
These advisers are ‘tied’ to that specific bank. They can recommend the products of that bank, or a single insurance/investment company with which the bank has an alliance. That’s all.
As the name suggests, an independent adviser – like me – is free to recommend a product from any provider, matching the best product to meet your specific need and your current circumstances.
With such a wide choice of investments and savings tools on the market, you are benefiting from personalised advice with an Independent Financial Adviser (IFA), which is only provided after i collect certain details about you and your circumstances. That should be reassuring. 
What are the benefits of an Independent adviser?
We provide every client with full details on the services we provide, how we are paid for each service, our complaints procedure, Data Protection, and your protection under the Financial Services Compensation Scheme (FSCS). You can ask to see our disclosure documents at any time, simply contact us for a copy. 
How do I know what to expect?
We not only offer independent advice, but visit the client in the comfort of their own home where you can relax and talk freely about important decisions.  We have state of the art research and analytical tools behind the scenes and all advice is guaranteed by my Network who check all advice. 
Why choose Sterling Scotia?
We will always ensure the products we recommend are suitable for you, based on the information you share with us. This personal information is held securely on our system, and we comply with all requirements under the General Data Protection Regulations introduced in May 2018.

When we advise you on regulated products you have the protection of the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS).
What protection do I have?
We will always ensure the products we recommend are suitable for you, based on the information you share with us. Your IFA will meet with you, first to describe their services and charges, then to complete an Investment Discussion Document. This allows your IFA to analyse your investment and/or retirement objectives. 

Part of this discussion will involve an Attitude to Risk Questionnaire which will assist your IFA in recommending the type of products best suited to your risk appetite. 

Based on reviewing your current circumstances (including assessing any existing policies), your IFA will then prepare a personal recommendation. 

A highly skilled paraplanning team assists your IFA with researching appropriate products and putting together a solution. They will also complete a case health check to ensure all of the regulatory requirements have been followed.

You will then meet with your IFA and they will provide you with a Suitability Report explaining the recommendation. If a recommendation includes purchasing new financial products, other documentation including an illustration showing the expected costs to you will be provided also. 
What happens in the meetings?
Your IFA will visit for an annual or bi-annual review which will include updating your information with any changes and a new attitude to risk questionnaire completed.  These meetings are important as the markets and personal circumstances alter throughout the years, your IFA can support you with the necessary alterations as and when/if they are needed.   
What happens after the initial meeting?
I have over 22 years Financial Services experience and have a Diploma in Financial Advice along with a Statement of Professional Standing.  I also have a Mortgage advice qualification and Bachelors Degree.  There is a team of experts supporting me at Head Office if required in specialist areas. 
What qualifications do you have?
Sterling Scotia is an appointed representative of New Leaf Distribution Ltd which is authorised and regulated by the financial conduct authority (FCA). Our FCA number is 460421.
Buy to Lets and Commercial Finance are not usually regulated by the FCA.

This website is aimed at UK residents.