Riach Independent Financial Advisers

<body bgcolor="#FFFFFF" text="#000080" link="#3399FF" vlink="#666666" alink="#FF9900"><font face="Times New Roman"> <h1 align="center"><font face="Times New Roman, Times New Roman, Times" color="#3399FF"><small><font color="#000000">This page uses frames, but your browser doesn't support them.</font></small> </font></h1> <p><a href="financial"><font color="#000000">financial</font></a></p> <p><font color="#000000">financial</font></p> <p><font size="4" color="#000000">Riach Independent Financial Advisers</font></p> <p align="left"><font color="#000000"><img border="0" src="BobPic.jpg" width="86" height="117" align="left" alt="Financial Advice"></font></p> <p><font color="#000000"><b>Bob Riach.</b><span style="mso-spacerun: yes">  </span>MLIA (dip) FPC</font></p> <p><i style="mso-bidi-font-style:normal"><font size="1" color="#000000">Member of the Life Insurance Association.<o:p> </o:p> </font></i></p> <p><i style="mso-bidi-font-style:normal"><font size="1" color="#000000">Registered with the Society of Financial Advisers<o:p> </o:p> </font></i></p> <p><i style="mso-bidi-font-style:normal"><span style="mso-bidi-font-size: 10.0pt; font-family: Times New Roman; mso-fareast-font-family: Times New Roman; mso-ansi-language: EN-GB; mso-fareast-language: EN-US; mso-bidi-language: AR-SA; mso-bidi-font-style: normal"><font size="1" color="#000000">Member of The Association of Lawyers</font></span></i></p> <p><font color="#000000"> </font></p> <p> </p> <p><font color="#000000">Bob Riach has over 20 years experience as a Independent Financial Adviser</font></p> <b> <p><font SIZE="4" color="#000000">INDEPENDENT FINANCIAL ADVICE</font></p> </b> <p><font color="#000000">Independent  Advice is about helping you, either as a individual or in your business activities. It is impartial advice to:</font></p> <font color="#000000">Help you identify your  objectives and set priorities</font> <p><font color="#000000">Give you an understanding of the  tools available to you in order to solve your problems and maximise your opportunities</font> <p><font color="#000000">Provide you with objectivity in assessing the various options available</font> <p><font color="#000000">Recommend solutions to new and changing needs</font> <p><font color="#000000">It is not limited to advice on or the product of <b><u>only</u></b> one company.</font> <p><font color="#000000">To provided you with solutions that meet your needs.</font><b> <p><font SIZE="4" color="#000000">THE VALUE OF OUR SERVICE</font></p> </b><font color="#000000">We review the whole market and analyse the performance of the majority of insurance and investment companies.</font> <p><font color="#000000">We evaluate newly introduced products to ensure that you have the most up-to-date advice.</font> <p><font color="#000000">As Independent  Advisers we offer impartial advice.</font><b> <p><font color="#000000">Tied agents or company representatives may only advise on and offer the products of the <u>ONE</u> company that they represent.</font> <p><font SIZE="4" color="#000000">KNOW OUR CLIENT</font></p> <p><font color="#000000">Before an adviser can give  advice he or she must be able to demonstrate that they are professionally competent and that they �know their client�. This process usually involves a fairly detailed meeting - a �fact find� - at which the adviser will ask many questions in order to acquire sufficient information to ensure that the right advice is given.</font></p> <p><font color="#000000">This will involve identifying and prioritising the possible courses of action for the client and will need to take into account both objectives and subjective issues. The process may well involve the adviser traveling to and from the client�s office or residence.</font></p> <p><font SIZE="4" color="#000000">EXISTING ARRANGEMENTS</font></p> <p><font color="#000000">Part of the service will involve assessing existing  arrangements, including benefits payable from the State and current or previous pension schemes and advising the client how such existing arrangements impact upon their  position. It may also be necessary for the adviser, with the client�s permission, to write to others such as current and former employers, on their behalf.</font></p> <p><font SIZE="4" color="#000000">RESEARCH</font></p> <p><font color="#000000">The complexity of the  services industry is such that, often, a great deal of energy, time and money is spent in researching the marketplace. It is important to identify the products that are most suitable for each client and to set up the arrangements on the best possible terms. Clients should not underestimate the cost to the adviser of such research which includes considering various companies in terms of their:</font></p> <font color="#000000">Relative  strength</font> <p><font color="#000000">Charges</font> <p><font color="#000000">Investment performance</font> <p><font color="#000000">Administration systems and service</font> <p><font color="#000000">terms of their:</font></p> <font color="#000000">Relative  strength</font> <p><font color="#000000">Charges</font> <p><font color="#000000">Investment performance</font> <p><font color="#000000">Administration systems and service</font> <p> </p> <p><font color="#000000"> their:</font></p> <font color="#000000">Relative  strength</font> <p><font color="#000000">Charges</font> <p><font color="#000000">Investment performance</font> <p><font color="#000000">Administration systems and service</font></b> </font></body>