Some key times at which advice can be most needed include providing for a young family in the event of your death or ill-health, saving and investing for your childrens university fees or to help them with the cost of a first home. Later it is crucial to get advice on how to fund retirement and eventually how to best draw on your accumulated retirement fund. As the years advance, planning your estate and minimising Inheritance Tax are further areas in which quality advice can pay dividends. Why then should you seek independent advice? Many organizations will provide advice, but this may be restricted to the products of one particular provider. If you are investing your time and resources to obtain advice, a truly Independent Financial Adviser will be able to consider the whole range of products and providers available when tailoring advice to you. Were proud to have been awarded the prestigious title Chartered Financial Planners by the Chartered Insurance Institute (CII).