There has been a huge amount of publicity in the media about alleged Pensions and Endowment mis-selling. Almost every week it seems we hear of corporate mismanagement or pension fund shortfalls. The Stock Market seems more volatile than ever, interest rates on savings is at an all-time low and even lottery jackpots appear to be getting smaller! For many, property seemed to be the answer to a good return on investment - but now the "Doom & Gloom" Merchants are predicting property price crashes and decreasing rent returns as the Buy-to-Let boom runs out of steam.

On the borrowing side we hear of mortgage shortfalls, massive credit card debt, huge student loans and a society almost on the verge of bankruptcy! Do you suffer from any of those?

Strip away the "vested interests" and examine the facts and often a somewhat different truth begins to emerge. There is too much focus on individual aspects of finance and economics and their impact and far too little study of the overall economic scenario which gives a different picture entirely.

Those in charge of governing this country are often as misleading as those who are trying to sell us their financial wares. When things go wrong, it is too easy for politicians to look for someone out there to blame, rather than examining the adverse (and often unexpected) impact of their own policies.

In the midst of all this, ordinary people like yourself are trying desperately to order your financial lives. You need someone to turn to who has an understanding of borrowing and investment in all their forms. Someone who can see the differing impacts of government fiscal & monetary policies together with global economic activities.

More importantly, you need someone who will give you honest and unbiased advice focussed on your own unique financial needs. Someone who will take the time to analyse your circumstances carefully and advise on the best financial products available to suit your particular situation. Someone who's advice will never be influenced by the level of commission paid on certain products.

You can only get this level of service from an Independent Financial Advisor rather than one who is tied to a particular Financial Services Company. One who always works on your behalf, not for the company he works for.

O'Halloran & Co and O'Halloran Financial Management Services bring together the qualified advice of Chartered Financial Planners Eleanor Downie and Terence O'Halloran. Could it be that we are just what you are looking for?

Phone 01522 537491, Email ed@ohal.org or tpo@ohal.org or pop along to 88 Newland, Lincoln LN1 1YA to make an appointment.