An Independent Financial Adviser can help you, whatever your financial circumstances, to make the most of your money and investments. An independent financial adviser can be useful for anyone regardless of circumstances, not only to help make the most of money and investments but also to give good advice on loans, mortgages and debts.

A Tied Agent is a financial adviser that can only give you advice relating to a particular provider's range of financial products. This means that they are restricted with the solutions they can offer and thus reduce your choice, which in turn can reduce the chance of making the most of your financial situation.

An Independent Financial Adviser can source financial products from numerous providers and can use their skill and knowledge of these products to select and advise you on the product that is best for you and your circumstances. A Tied Agent can only select products from a specific provider and so the choice available to you is limited and may not maximize the opportunity available to you.

The Isle of Man Financial Supervision Commission website will be able to answer all your questions. www.gov.im/fsc/faqsfinancialadvice