We are recommended by the largest union in Northern Ireland, Northern Ireland Public Service Alliance (NIPSA), to their members as well as to members of the two main local teacher unions, Ulster Teachers' Union (UTU) and Irish National Teachers' Organisation (INTO).

Being independent means our advisers are able to select from all the products available in the marketplace - making sure you get the right product for your individual needs.

We are bound by the Financial Services Authority rules, which obliges us to provide advice most suited to your personal requirements and your risk outlook. When financial products are recommended they must take into account the benefits provided, charges, flexibility, service and financial strength.

We are obliged to offer what is termed 'suitable advice'. This means that we have to gain a full understanding of your circumstances and requirements before helping you choose any financial products.

In addition, when recommending a product we will provide written reasons why we think it is right for you - again to make sure that you are fully informed before committing yourself to anything.