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What makes a good pension adviser?
March 9th, 2010 | Best Questions

Broadly speaking the answer to this question is twofold:

1. They run a sound business model
This aspect is split into two key areas.

a) Type of financial advice

Financial Advice is given in a three tiered approach, and so financial advisers fall into one of three categories:

Independent Financial Advisers

Have access to the open market and can therefore advise on the widest range of financial option and products. Their mandate is to give the best advice to their clients.

Multi-Tied Advisers

These advisers have access to a limited panel of providers and so have the illusion of independence but are in fact very limited in what they have to offer.

Tied Advisers

Tied Advisers can offer products only from their own product range and so are extremely limited in what they do.

It is nearly always best to be speaking to an Independent Financial Adviser to get the best advice possible.

b) Sustainable business

It is important that an adviser that you work with will still be trading in the future. If not, there will be a lack of continuity in your financial or retirement planning. The IFA business you deal with must therefore be run soundly and have the stability required to continue as a business into the future. Perhaps the best predictor of this is past performance.

2. They have the tools and inclination to give clients sound financial advice

To be able to give sound advise an adviser must meet our IFA KSAT criteria.

Knowledge- The adviser should have sufficient knowledge to be able to answer your general questions, and should have access to a wealth of experience for any questions that they cannot answer right away.

Skills- The adviser should be able to clearly and articulately communicate difficult concepts in a manner accessible to a layman. they should have keen research skills and be able to keep up to date with the latest regulations, market movements and anything else relevant to their clients.

Attitudes- The adviser should have an attitude of service to the client. They should care about what happens to the client portfolio and be motivated to do the best for their clients. They should also have an attitude of learning, which drives them to seek new knowledge and opportunities which could benefit their clients.

Traits-  The adviser should be reliable and intelligent, with the kind of personality that allows them to follow up on discussions, plan reviews, attend to the detail of their clientèle, and develop lasting harmonious relationships.

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