This is a useful article from The Financial Express in India, which has a lot of relevance to choosing an adviser in the UK.

Doing your homework is critical, and whilst most financial advisers attract business through referrals, that should not necessarily be the reason why you would choose to work with a particular advice professional.

The work you do with an adviser or financial planner, requires by definition an extremely personal relationship - one expecting a high level of trust and discretion - not to mention very human facets too such as 'like-ability' and interests in common.

An introduction to an adviser from a friend or colleague is useful, but it's also important to get a range of opinions on a particular firm or individual.  Sites such as and  VouchedFor are also helpful.

It's also important to bear in mind what it is that you want out of your relationship with an adviser.  This could be a range of things from expert answers to questions right through to a complete reappraisal of what you want to achieve in life and the different ways to get you there - known as 'Life Planning'.

All professions evolve, and it's great to see that financial advice is too, with companies like Serenity working at a much deeper level with clients than ever before - where Life Planning is the new Financial Planning.