It will probably take about one hour of your time. Depending on the adviser, the meeting will either take place at your home or they will invite you to their office. The advice will be based on a selection of products from the whole market.

The adviser will want to understand as much about you as possible, before choosing the right type of product for you. Be prepared for them to ask you questions about your:

• Personal circumstances (age, family dependants, age you’d like to retire)
• Financial situation (mortgage details, current savings, investments, weekly/monthly expenditure)
• Attitude towards risk

The adviser should then show you at least 2-3 different companies details for you to choose from. It’s the role of the adviser to recommend the most suitable product for you based on your answers to the above questions. It’s entirely up to you whether you listen to their advice. If you’ve done your own research prior to this meeting, you may want to suggest a couple of alternatives you have read about. Please share this information with the adviser.

It’s quite possible, that you’ll need time to think over these options before making this long-term commitment. It’s perfectly normal to arrange a second meeting with your financial adviser before you make your final decision. You may be charged for their advice.