Welcome to Episode 14 of the Wealth Unchained Podcast with Emma Wright, your dedicated financial empowerment coach and the visionary behind Independent Wealth. 

Here, Emma unravels a commonly misunderstood topic in the financial world: the distinction between financial planning and financial advice. 

With expert insights, she clarifies the roles of Independent Financial Planners (IFPs) and Independent Financial Advisers (IFAs), shedding light on what each brings to the table. 

This episode is a valuable resource for both IFAs seeking to understand Emma's approach and individuals looking to demystify the intricacies of financial services.

Emma starts by demystifying financial planning—a dynamic process that involves mapping out your current financial landscape, from income and expenses to savings, investments, and pensions. Through cutting-edge cashflow forecasting tools, Emma crafts personalised scenarios, showing the tangible impact of financial decisions. In contrast to product-centric approaches, an independent financial planner like Emma places your unique goals at the forefront, equipping you to make informed choices. She underscores that financial planning revolves around your specific aspirations and circumstances, charging a fixed fee for their invaluable guidance. 

Emma emphasises the significance of choosing a qualified, chartered financial planner to ensure your plan aligns perfectly with your vision for the future.

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