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For help with any of the terms used below, please use our glossary.
 
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    Charging Structure:    FeeFee chargeable financial advice    Commission Commission chargeable (charged to product provider company) based financial advice         Any
    Adviser:                  Female                Male        Any
    Members of:               AIFA A voice of the independent financial advisor profession, promoting professional standards and representing the industry to the FSA and the general public                 AMI A body representing the mortgage intermediaries profession to the UK financial services regulator (the FSA) and the public forum, whilst helping to improve professional standards        AFB A representative of the finance brokers profession to the FSA and the general public, collaborating to promote professional standards  
BUSINESS ACTIVITIES
Personal   Business

 INVESTMENTS
 

 
 
Life Assurance Standard life insurance with a savings/investment element 
 
Management of Investments Advisor manages funds and has authority to trade on your behalf 
Retirement Planning Draw-down income and phased retirement plans 
 
Traded Endowments Transferred/sold endowment policies 
Investment Bonds Life company investment bonds and structured products 
 
Direct Investments Stocks/shares and bonds 
Individual Savings Account (ISA) Savings wrapper attracting tax-free returns 
 
Property Residential and/or commercial building and/or land 
Unit Trusts & Open-Ended Investment Companies (OEICs) Open-ended investment companies, exchange-traded funds and hedge funds 
 
Investment Trusts Investment management companies 
Tax-Efficient Investments Advice on National Savings, Friendly Societies and similar schemes 
 
Venture Capital Trust (VCT) Investment trust specializing in start-up businesses 
Enterprise Investment Scheme (EIS) Tax-relief investment scheme for higher-risk businesses 
 
Annuities Regular life-assured income 
Ethical Investments Investments in companies excluding companies linked to firearms, alcohol, tobacco and gambling 
 
Offshore Investments Non-UK based investments 
 
Corporate Finance Investment and finance for businesses, including venture capital and mergers and acquisitions 

  MORTGAGES
 

 
 
Residential Mortgages Loan secured on residential property, including remortgages, housing associations and first-time-buyer loans 
 
Equity Release Homeowners' cash release scheme 
 
 
Commercial/Buy-to-Let Mortgages Loan secured on business premises including buy-to-let mortgages 

 PENSIONS
 

 
 
Personal Pensions Standard personal and stakeholder pensions 
 
Self-Invested Personal Pension (SIPP) Tax-efficient pension wrapper for more experienced investors 
 
Group Pensions Provision of collective pension fund products for companies 

 PERSONAL PROTECTION
 

 
 
Personal Protection Individual income protection and critical illness insurance 
 
Long Term Care Insurance Disability care financial planning 
 
Group Protection Employer organized individual income protection and critical illness insurance 

  GENERAL INSURANCE
 

 
 
Personal/Household Insurance Home buildings and contents insurance, motor insurance and other personal lines  
 
 
Commercial Insurance Typically employer's liability insurance, and insurance against loss or damage of business equipment 
 
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