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The Benefits of Independent Advice

The burgeoning choice of financial products on the market can be daunting and lead many people to leave their money languishing in the wrong place.

Whether you're looking for the best way to save for retirement, a mortgage, advice on how to invest for the future or protect you and your family with a life assurance policy, the most suitable product for you is almost certainly out there. It's simply a case of how to find it.

Now perhaps more than ever it is important to get sound, unbiased advice on what financial products you should have. As truly independent advisers, we can offer you unbiased financial advice and recommend the most suitable products, after researching the whole market.

The key differentiator in dealing with Horizon Insurance and Investment Brokers is that we act on your behalf and have access to all the products on the market. Our job is to research and recommend the most appropriate financial solutions after asking a whole range of detailed questions about your circumstances, financial goals and attitudes to risk.

However be aware that some independent advisers are not truly independent. Some receive greater financial incentives from insurers for guaranteeing them the majority of their business.

Also, many people buy financial products through their bank. When they want a life insurance or investment product they often find it easier just to nip into their bank and accept what is sold through that organisation's relationship with a single life insurer. The person providing the product information or advice is acting on behalf of the product provider. Many people buy products this way, usually because they feel more comfortable buying from a big name organisation and assuming, sometimes incorrectly, that they are bound to get a good deal. What they are actually getting is limited information from a small selection of products.

Remember that it makes sense to take control at each stage of your life and revise your financial plans to match your changing lifestyle. We at Horizon can offer a helping hand through the maze of products and financial planning strategies.