Is restricted advice different to independent advice?

Restricted and independent advisers are equally qualified, offer the same quality of advice, and analyse client needs in the same way. The difference is in how the research is done. At Ginkgo Financial, we’re part of Quilter. Quilter’s research starts with the whole of the market, with products and investments going through a tough selection process before arriving at a recommended panel. We only select from this panel where there is a demonstrable benefit to you.

Do restricted advisers only have limited choice?

Not at Ginkgo Financial. By leveraging Quilter’s expertise, research and governance, we start with the whole of the market and then select from a carefully chosen panel of providers and investments. If the panel doesn’t exactly match your needs, we still have the flexibility to recommend solutions from the wider market.

What are the benefits of restricted advice?

Our restricted model offers reduced costs and fees, better value solutions thanks to Quilter’s buying power, reassurance from third-party experts who vet providers and products, and the flexibility to go wider than the panel if required. In practice, this gives clients the best of both worlds: high-quality, vetted solutions with whole-of-market flexibility.

How does Quilter’s research and governance process work?

Quilter uses a three-tier approach: oversight by an independent Investment Oversight Committee, day-to-day management by the Advice Investment Proposition Forum (with insights from independent experts such as Square Mile, Morning Star, Defaqto and Moody’s Analytics), and continuous monitoring of all funds. This ensures integrity, performance and quality in the solutions recommended.

Should You Take Your Tax-Free Cash Before the Budget? - Financial advisers, investment, wealth management and pensions advice

Intelligent advice. Plain speaking. Excellent service. The three guiding principles of Ginkgo.

The best time to start a pension plan is now - and if you have already started, have a closer look at your arrangements to make sure you are on track.

The best time to start a pension plan is now - and if you have already started, have a closer look at your arrangements to make sure you are on track.

The government’s pensions freedoms regulations give holders of a personal pension greater flexibility in how they can access and use their fund.

With so many types of savings and investments, it’s wise to begin with expert advice on the potential risks and rewards for your personal situation.

Alternative investments are dynamic, higher risk investments in environments the UK government wants to support, such as future technology.

Planning now for the inevitable fact that we won’t be around for ever is one of the kindest things we can do for our loved ones.

Planning now for the inevitable fact that we won’t be around for ever is one of the kindest things we can do for our loved ones.

Crossing fingers is not enough. Protect yourself and your family financially by making money available, should something unexpected happen.

You probably already protect your business’s property and other assets. So don’t overlook your most valuable assets: your staff and shareholders.

A mortgage is one of the most expensive, complex purchases you’ll ever make. With thousands to choose from, it makes sense to take professional advice.

With advance planning and an effective tax strategy, you can avoid paying more to the government than you need to.

Our handy calculators were developed by mathematicians to help you get a handle on some of the figures behind your biggest financial decisions.

Intelligent advice. Plain speaking. Excellent service. The three guiding principles of Ginkgo.

The best time to start a pension plan is now - and if you have already started, have a closer look at your arrangements to make sure you are on track.

The best time to start a pension plan is now - and if you have already started, have a closer look at your arrangements to make sure you are on track.

The government’s pensions freedoms regulations give holders of a personal pension greater flexibility in how they can access and use their fund.

With so many types of savings and investments, it’s wise to begin with expert advice on the potential risks and rewards for your personal situation.

Alternative investments are dynamic, higher risk investments in environments the UK government wants to support, such as future technology.

Planning now for the inevitable fact that we won’t be around for ever is one of the kindest things we can do for our loved ones.

Planning now for the inevitable fact that we won’t be around for ever is one of the kindest things we can do for our loved ones.

Crossing fingers is not enough. Protect yourself and your family financially by making money available, should something unexpected happen.

You probably already protect your business’s property and other assets. So don’t overlook your most valuable assets: your staff and shareholders.

A mortgage is one of the most expensive, complex purchases you’ll ever make. With thousands to choose from, it makes sense to take professional advice.

With advance planning and an effective tax strategy, you can avoid paying more to the government than you need to.

Our handy calculators were developed by mathematicians to help you get a handle on some of the figures behind your biggest financial decisions.

Blogs

Digging deep: what running a half marathon taught me about financial planning

Oct 17, 2025

The Business Risks You Can’t Afford to Ignore

Oct 09, 2025

Should You Take Your Tax-Free Cash Before the Budget?

Sep 30, 2025

Sign in and Welcome back

Lost your password?

New Password

Sign up

Sign in and
Welcome back

Lost your
password?