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Independent Financial Advisers or IFAs are professionals who offer independent advice on financial matters to their clients and recommend suitable financial products from the ''whole of the market''. The term was developed to reflect a UK regulatory position and has a specific UK meaning, although it has been adopted in other parts of the world, such as Hong Kong. The term "Independent Financial Adviser" was coined to describe the advisers working independently for their clients rather than representing an insurance company, bank or bancassurer. At the time (1988) the UK government was introducing the polarisation regime which forced advisers to either be tied to a single insurer or product provider or to be an independent practitioner. The term is commonly used in the United Kingdom where IFAs are regulated by the Financial Conduct Authority (FCA) and must meet strict qualification and competence requirements. Typically an Independent Financial Adviser will conduct a detailed survey of their client’s financial position, preferences and objectives; this is sometimes known as a ‘factfind’. They will then advise appropriate action to meet the client's objectives; and if necessary recommend a suitable financial product to match the client’s needs. Individuals and businesses consult IFAs on many matters including investment, retirement planning, insurance, protection and mortgages (or other loans). IFAs also advise on some tax and legal matters. == New rules for Financial Advisers in the UK from 2013 == From the end of 2012 there will be two types of Financial Advisor: independent or restricted.〔(【引用サイトリンク】url=https://www.moneyadviceservice.org.uk/en/articles/new-rules-for-financial-advisers-from-2013 )〕 and IFAs will no longer be allowed to receive commissions from financial services companies on new sales of investments. Instead they will have to set their own fees, based on the services they offer, and agree fees with their client before providing any services. Any advice that doesn’t meet this standard must be labelled as restricted. IFAs should also be able to demonstrate to the FCA that they review all the suitable products in a market and give fair, unbiased and unrestricted advice. These changes are intended to make their charges more transparent and advice more genuinely independent. However, some banks, building societies and insurance advisers could switch to offering an ‘information only’ (non-advised) service instead, where fees won’t be apparent. Advisers will also be allowed to keep earning it on products they have sold before the end of 2012, and still charge a regular fee if they are providing an ongoing service such as reviewing and advising on a clients investments. Neither do these new rules apply to the sale of cash savings products, general insurance, protection products (term life insurance, critical illness cover, income protection insurance etc.) or mortgages, unless they are sold at the same time as a regulated investment product. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「independent financial adviser」の詳細全文を読む スポンサード リンク
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