In the Anglo world is much more common figure of the personal adviser, is an independent person (not part of any company or independent) that deals with advise on financial matters, not just investment. Where virtually all the “personal advisers” or personal bankers.Are used mainly by banks and independent savings will always be in question.
Only in the very high private banking advisers are independent. That will first seek the personal adviser will the greatest benefit to the client or the entity that is who pays them?. Ideally, to achieve both objectives, but we all know that this is not always possible.
Ideally, we had a person in our absolute confidence and with sufficient knowledge of financial markets / tax / legal that would make this work for us, as this is not possible in most cases, this topic we will try to convey a simple way what are the basic.
Principles we follow to make mistakes when deciding whether to invest in the stock market or fixed income or if we buy a home or rental. Do not know if we’ll win a lot or a little over, but if you know whether it is appropriate to our circumstances.