Seeing a financial adviser

What does a financial adviser do?

An adviser will enquire about your , personal circumstances, finances and objectives and how you really feel about taking risks with your capital. This information will aid  them to suggest retirement income products (eg flexi-access drawdown, different types of annuity) that are the correct choice for you.

The Financial Conduct Authority (FCA) website has more information on the matter and is a useful resource.

More information will make you more prepared when you meet a financial adviser, and will benefit you. Financial advisers calne offer independent financial advise. This includes details of how much is in your total account and other incomes.

When to see a financial adviser

You should think about seeing a financial adivser if you:

  • mix your pension options
  • invest your pot to get an adjustable income – an adviser can do this for you
  • pay more money into your pension
  • leave some of your pension in your will – they can advise on the most tax-efficient way to do this

You really should get independent financial advice, if you have a:

  • final salary or career average pension (known as a ‘defined benefit’ pension) worth more than £30,000 and you want to transfer it to a defined contribution pension scheme
  • defined contribution pension worth more than £30,000 with a guarantee about what you’ll be paid when you retire (eg a guaranteed annuity rate) and you want to give it up to do something else with your pot

You should also consider speaking to a financial adviser if you want to do either of these and your pension is worth £30,000 or less.

Choosing the right adviser

Check your adviser is authorised by the FCA first.


Independent or restricted advisers

Always ask an adviser if they’re restricted or independent.

Restricted advisers are limited to certain types of products (eg only annuities) or the providers they can choose from. Independent advisers cover the whole market.

financial advisers based in calne

Spending money for financial advice

Fees for financial advise do vary. Before you get advice, ask the adviser:

  • when you are expected to pay
  • what the fees and charges are
  • if there’s a fee for an initial consultation – many advisers offer this for free

You’ll pay a one-off fee if you see the adviser once or a regular fee if the advice is ongoing.




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Choosing a good Bristol SEO Company

What to look for

It can be very frustrating when you are attempting to find the best SEO Company which will be able to provide you with all the SEO services that you require. This is what makes many businesses give up because they feel that they are not really getting what it is that they are searching for. This should not be the case for you if you are trying to find the right SEO company for your business. Once you take your time in looking for the right SEO Company, you are going to now start reaping the benefits that it has to offer.

bristol seo company


Many search engine optimisation companies mainly focus on been able to reach out to as many clients as possible. Most of these businesses tend to want to get as many clients as they possibly can so that they can be able to offer SEO Marketing Agency Bristol services to them. There is no problem in a company that wants to increase the amount of sales they are able to get as well as the number of clients. However, they should make sure that they are able to provide all the right services to all these clients without any kind of problems or failure. Due to this, it is important that before making any final decisions and doing any kind of hiring that you first carry out a proper research so that you are able to get a company that is going to leave you satisfied and happy.


Bristol is full of great companies to choose from. Enveloped in the hills of South West England, it has a distinctive identity that outrivals anywhere else. Grounded in roots from centuries past, passionate locals and spirited fans have helped carve out its character ever since.

It’s not hard to see why writers, film directors, artists, actors, scientists, musicians and architects have sought inspiration here.

Famed for its passionate character and its maritime history, and for the acres of parkland and sustainable approach that earned it European Green Capital status, Bristol has created its own distinctive identity.

Additionally, another great thing that you can look at is the kind of services they are able to offer, how it is that they work and the amount of money that they charge their clients. Looking at the techniques that they make use of so as to improve your site may also be a very good idea.



Some prerequisites that help a SEO company to be successful

You should be able to do a trial and error kind of research when looking for the right kind of SEO Company for you. Also, when it comes to looking for the right kind of SEO for your business, it is important that you do a number of tests so that you are able to figure out which one of the search engines is able to work best for you. It is however very important for you to keep in mind that the various methods that have been made available keep on changing which is why it is highly advisable that you keep an open minded and be ready to move with the changes. SEO has been found to be very complex which is why it should be handled by people who have an idea of what it is that they are doing.

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Immerse UK introduces Matterport Pro Camera to the UK

Immerse UK introduces Matterport Pro Camera to the UK

UK-based Immerse UK offers information about the Matterport Pro Camera to the United Kingdom. The company is the authorized dealer for the Matterport Pro virtual space camera.  

Immerse UK is pleased to announce that it has been selected as the authorized dealer for the Matterport Pro Camera in the United Kingdom. The Matterport is easy to use and suitable for businesses and individuals who want to collect accurate visual and spatial data. The data collection capability allows the camera to accurately map an entire space in a matter of minutes. The result is a fully immersive virtual image that feels real. It is almost like being in the space physically.

Immerse UK  have been selected to serve as the dealer for the Matterport pro camera UK product. Any business which depends upon two-dimensional photography or video to create content or communicate with stakeholders, as well as to document projects, knows the power and importance of visual images.


Use Matterport UK to enhance your business, or, better yet, make Matterport your business. Many firms are using the technology we developed in order to attract more clients, reduce costs and impress stakeholders.

The camera is less expensive that a DSLR camera and requires no professional training in order to operate it effectively. The device pays for itself after only a few uses. The Matterpport Pro is able create three-dimensional and virtual reality content. It is built to catch the attention of audiences and to grow the size of the audiences.


matterport pro camera

Business growth is possible with the use of the product. Engaged clients are engaged and provided with a different perspective of the space or the product of interest. Clients form an emotional and lasting connection to the VR spaces. The use of the Matterport is a way to reduce costs, by avoiding the payment of fees to outside professionals. By focusing on genuine clients, employee productivity is optimised.

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Finding a Digital Agency in Bristol

Digital Markerting

Digital Marketing is essential to acquiring more clients and business. Online marketing strategies include SEO, PPC, Email Marketing etc. SEO or Search Engine Optimisation is the name given to activity that attempts to improve search engine rankings.

In search results Google displays links to pages it considers relevant and authoritative. Authority is mostly measured by analysing the number and quality of links from other web pages.

digital marketing

In simple terms your web pages have the potential to rank in Google™ so long as other web pages link to them.

Bristol is a creative and growing city full of digital agencies like Grizzly.

Search Engine Optimisation or SEO is the simple activity of ensuring a website can be found in search engines for words and phrases relevant to what the site is offering. In many respects it’s simply quality control for websites. Having said that, if there was ever an industry that was little understood by outsiders it’s SEO.

Marketing has always been about connecting with your audience in the right place and at the right time. Today, that means that you need to meet them where they are already spending time: on the internet.

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