Absolutely Independent Financial Advisers Ltd was established in 1994 by Brian Ford, who has over 25 years experience in the business.
We are directly regulated by the Financial Conduct Authority (number 222151) and are proud to be completely independent.
We often meet clients at their homes or at work, at hours to suit them, but we also welcome visits to our offices. Our Main Office is in Wroughton (just outside of Swindon). We are centrally located without the hassles of traffic congestion and parking problems.
You will find a map below. It should help you to find your way to our office.
Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.
There are many ways in which a family can protect itself, and because of the large range of products available there is usually an appropriate policy for most circumstances, and most budgets.
Pensions are, of course, designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired.
– referred to as the State Second Pension (S2P) but before 6 April 2002, it was known as the State Earnings Related Pension Scheme (SERPS). From 6 April 2002, S2P was reformed to provide a more generous additional State Pension for low and moderate earners, carers and people with a long term illness or disability and is based upon earnings on which standard rate Class 1 National Insurance contributions are paid or treated as having been paid. Additional State Pension is not available in respect of self employed income. From April 2016 both the basic rate pension and additional state pension will be combined to offer a simple single tier flat rate pension. **
– these are also Money Purchase schemes and are open to everyone and especially useful if you are self-employed, your employer doesn’t yet run a company scheme or just for topping up existing arrangements. From October 2012, the Government introduced reforms and all employers have to offer their employees, who meet certain criteria, automatic enrolment into a workplace pension. Employers can use the Government backed scheme, National Employment Savings Trust (NEST), or offer an alternative ‘Qualifying’ work place pension scheme such as a Group Personal Pension, providing it ‘ticks’ certain boxes. The process is being phased in between 2012 and 2018 depending on the head count of a firm. Employers are required to contribute a minimum of 3% of salary with Employees making a personal contribution of 4% with tax relief of 1% added on top, which again, is being phased in gradually.
are now a vast array of different products that may be used at retirement to provide benefits from the traditional form of annuity that provides a regular income stream to Flexi-access Drawdown which enables lump sums of benefits to be taken either as a one off payment or over a given number of years. Given the complexity and choice all individuals now have, it is important to seek independent financial advice before making any decisions.
We believe that making plans for your financial future and to protect your family has never been more important. We know that the choices available now are often bewildering and seem complex.
How We Can Help You
As Independent Financial Advisors we are able to offer completely impartial advice to meet your financial objectives. What ever they are. We offer a broad range of financial products from a wide range of providers including Pensions, Investments, Critical Illness and Protection.
We are proud of our friendly and professional service. We know your time is precious. So we can meet you at a time and place of your convenience.
"By submitting this form you agree that our firm may use or hold your personal data for the purpose of marketing to you financial products and services. We may contact you by telephone, email, fax or letter for this purpose. If you prefer not to receive these communications from us in the future you can advise us at any time by notifying us using the 'Contact Us' section of this website.
Your personal data will remain confidential and will not be passed to any company outside our firm without your permission being obtained, unless the information is required by law.
