As Independent Financial Advisers, Apex CB Financial Planning Ltd have access to a wide range of products and services available in the UK .

We operate on a “whole of market” basis with no ties to fund managers, banks  or insurance companies and no external shareholders intent on driving sales volumes. We are answerable only to our clients and to our regulator, the Financial Services Authority, as opposed to a Tied Agent or Company Representative, who may only advise and offer products from the company they represent.

This means that we are able to give you impartial advice and recommend the most appropriate solutions for you, so that you will enjoy choice, value for money and our high-quality service.

As and when necessary, we shall also be pleased to introduce you to the services of other professionals such as Solicitors, Accountants and Stockbrokers.

In summary, an Independent Financial Adviser can offer you:

• Unbiased advice from the whole of the market
• Solutions based on a wider industry and technical knowledge
• Relationships with other professional advisers for a holistic approach
• Product selection through technology-based research systems
• An ongoing relationship with someone who understands your needs and aspirations
• Clear service propositions to look after your finances
• Advice based on meeting your needs, not selling you products to meet targets
• The choice between paying for advice through fees or product charges (commission)