The following article about the Money Advice Service wanting to foster closer ties with Independent Financial Advisors is to be greatly welcomed. http://www.moneymarketing.co.uk/politics/mas-we-can-work-with-ifas-to-fill-advice-gap/1058879.article People need to be educated that quality financial advice as with quality legal and tax advice can be in many circumstances a worthy expenditure. Perhaps the Money Advice Service’s budget could be used in part to form a formally set of alliances with IFA firms across the country which pay to give advice to those who need it but would struggle to pay for it, in the same way the Department of Justice has a panel of Solicitor firms which complete legal aid cases.rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn