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About Independent Financial Advisers

An independent financial adviser (IFA) provides impartial advice on pensions, investments, mortgages, savings and insurance - working for you, not for a bank or product provider.

The 'independent' part matters. Unlike tied advisers who can only recommend products from one company, an IFA can search the whole market to find the best fit for your circumstances - and they are legally required to act in your best interest.

Check that your adviser is registered with the Financial Conduct Authority (FCA) and ask how they charge - some work on a fee basis, others take commission from the products they recommend. Either way, they should be upfront about costs before any work begins.

Also covers:
  • IFA
  • independent financial adviser
  • financial planner
  • financial advisor
  • financial adviser
  • wealth management
  • investment advice
  • pension advice

About Cunningsburgh

Cunningsburgh is a scattered crofting community on the east coast of south Mainland Shetland, roughly six miles south of Lerwick on the main road to Sumburgh.

The area has a primary school, a community hall and a marina at Mail and is well positioned between Lerwick and the south end of the island.

The annual Cunningsburgh Show is one of the highlights of the Shetland agricultural calendar, drawing competitors and visitors from across the islands.

The coastline around Cunningsburgh includes sheltered bays and good fishing marks and the area has a strong sense of local identity within the broader south Mainland community.

About Shetland

Shetland is an archipelago of around 100 islands - 16 of them inhabited - lying roughly 110 miles north of the Scottish mainland and 210 miles west of Norway, making it the most northerly part of the United Kingdom.

Lerwick is the capital and only town of any size, a compact and characterful harbour settlement that serves as the administrative, commercial and cultural centre of the islands. Around 7,000 of Shetland’s 23,000 residents live in and around the town.

Shetland’s economy has been shaped by the sea for centuries: fishing remains a major industry and the arrival of North Sea oil at the Sullom Voe terminal in the 1970s brought prosperity that was carefully managed through a charitable trust that continues to fund services and infrastructure across the islands.

The landscape is treeless, wind-scoured and dramatic - sea cliffs, voes (narrow inlets), tombolo beaches and open moorland define the character of the islands and nowhere in Shetland is more than three miles from the sea.

Shetland has a distinct cultural identity that draws on both Scottish and Norse heritage - the annual Up Helly Aa fire festival, the Shetland dialect and the fiddle music tradition are central to island life and the sense of community across the islands is strong and self-reliant.

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