An independent approach...

4 Independence is truly independent. This means that we can search the whole market in order to find the most competitive and tailored products to suit you and your family's needs.

By being totally objective, we bring a fresh eye and original approach to financial planning.

And we'll be with you every step of the way, through all life and business stages, advising you on your planning needs. This long-term strategy can make a real difference to the health of your financial future.

Our approach is a two-way process; you need to get to know us, and we need to get to know you so that we can fully understand your circumstances and expectations. This will then enable us to implement a strong strategy that's right for you.

We understand how important it is to have faith in your Financial Adviser and so we always take the time to forge strong relationships with our clients, based on trust and a belief that we will do our very best for you.

As part of our ongoing support to our clients, we have created four tiers of service based on your requirements; Platinum, Gold, Silver, Transactional. Click here for table.

Each client will automatically fall into one of these categories, but you can upgrade to take advantage of the additional benefits at any time.

How we are paid

You will pay for our services by fees, commission (through product charges), or by a combination of commission and fees. We will discuss your payment options with you and answer any questions you have. We will not charge you until we have agreed with you how we are to be paid.

Future Industry Changes

The Retail Distribution Review (RDR), scheduled for January 2013, will make significant changes in the Advice Industry. This will provide clients with advisers who have a higher level of qualifications. Secondly, there will be improved transparency and fairness of charging structures associated with financial products.

Both Lynne and Michael have achieved the required examination qualifications for RDR. In addition, 4 Independence sets its own charges in agreement with its clients before the identification of suitable products, thus avoiding product providers offering commission. 4 Independence will continue to allow the cost of advice to be taken from the product or via fees.

Why choose us to look after you?

It is important to choose an adviser who will be able to advise you (and your family) not just now but into your future. One of the effects of RDR is that a number of advisers will be leaving the industry or retiring and so will be unable to provide a continuing, long-term service. Lynne and Michael, however, have met the RDR criteria and expect to be providing advice to clients for at least another 20 years!

Who is Positive Solutions?

4 Independence is a trading style of Positive Solutions (Financial Services), the UK's largest national independent financial adviser firm, backed by AEGON, one of the largest financial services groups in Europe. Positive Solutions provides us with industry-leading training, administrative support and access to industry research.