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    Independent Financial Advisers or IFAs are professionals who suggest independent advice on financial subjects to their clients and recommend suitable financial plans from the whole of the market. The term was developed to reflect a US regulatory position and has a specific US meaning, even though it has been adopted in other parts of the world, such as United Kingdom. Individuals and businesses consult Independent Financial Advisers on many matters including investment, retirement planning, insurance, protection and mortgages. Independent Financial Advisers also advise on some tax and legal matters.

    The phrase Independent Financial Advisers was invented to myles bunyard video explain the advisers working independently for their clients before representing a bank or insurance company. At the time (1988) the US government was introducing the division government which forced advisers to either be joined to a single insurer or product provider or to be an independent practitioner. The term is commonly used in the United State where Independent Financial Advisers are regulated by the Financial Services Authority (FSA) and must meet strict qualification and skilled requirements.
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