Who do I go to for financial advice?
Skandia doesn’t offer financial advice. Instead we rely being recommended by financial advisers who are experts in offering investment and financial planning advice to their customers.
There are two main types of financial advisers: independent and restricted.
Financial advisers offering independent advice have to be able to advise on financial products from the whole market, whereas those offering restricted advice will advise on products from a pre-defined selection of products or providers – which can still be very comprehensive – but they will let you know what their restriction is.
All financial advisers, whether independent or restricted, must meet strict qualification and competence levels, and are regulated by the Financial Services Authority.
Where does Skandia fit in?
As well as providing you with access to investment funds and tax-efficient ways to hold them, Skandia gives your adviser the tools they need to:
- assess your attitude to risk in detail
- build your portfolio matched to your risk profile and your needs and goals
- manage your investments over time.
Find out more about how the relationship works between you, your adviser and Skandia.
What can I get financial advice on?
Financial advisers can give you advice on:
- Pensions and retirement planning
- Life assurance
- Stocks and shares ISAs
- Mortgages (Skandia does not provide mortgages)
Learn more about the value of financial advice.
Where can I find a financial adviser?
If you don’t have a financial adviser, and you need help or advice on Skandia products, our new search tool, Find a Skandia Registered Adviser, can help you find an adviser in your local area who is registered to do business with Skandia.
If you would like to search across the whole of the adviser market, including advisers who do not currently do business with Skandia, there are a number of ways you can do this, including www.unbiased.co.uk, an independent portal for finding a financial adviser in your locality.
Need more information? See our page on choosing a financial adviser and questions to ask a financial adviser.