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About
AdviceOnline.co.uk
The
AdviceOnline.co.uk
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
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
are
not
linked
to
any
product
provider.
We
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
associated
company
"Park
Row
Associates
Plc"
with
a
team
of
200+
independent
financial
advisors
working
from
eighteen
offices
strategically
located
throughout
the
United
Kingdom.
Advice
is
given
by
telephone,
e-mail
and
written
report
with
no
face
to
face
meetings
(unless
specifically
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
registered
under
the
Council
of
Mortgage
Lenders
Mortgage
Code,
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
can
only
advise
on
their
own
products
and
are
inevitably
biased
towards
them.
How
do
our
independent
financial
advice
services
work?
The
Financial
Services
Act
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
Fact
Find
This
form
takes
5-10
minutes
or
discuss
your
requirements
by
telephone.
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
recommendation
report
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.
How
do
I
contact
you?
Or
you
can
call
08000
151613
for
Independent
Financial
Advice
or
08000
962259
for
our
other
services,
or
email enquiry@adviceonline.co.uk
AdviceOnline
Ltd
Independent
Financial
advisors
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