Independent advisor.. as in you pay him a fee for his advise
?
Or is he tied to a financial/insurance company ? So he sells his
company's financial products to you ?
Many insurance agents also claim to be financial advisors.. so
buyers beware.
I dun think theres any fees, hes like an insurance agent except
he sells many diff policies from many diff insurance companies ,he
claim he can represent almost all those companies except
prudential and great eastern life(I think). Basically he analise ur
financial situation including all other poilicies u bought from
other insurance companies,from there he would
suggest/recommand what sort of cover or policies u need the
most (he said he chose the best ones) . I guess he prob earns the
comissions. They also deals with units trusts ,bond,equitities for
investments,they monitored all those funds and select some of the
best that perform consistantly for investments.
http://www.firstprincipal.com/