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When you do speak to a company you have decided that meets your criteria, speak to them and make sure that they take the time to understand your problem. Vague promises and trying to hard sell you other services are red flags you must take notice of. A good financial planning company listens to their clients and tailor make programmes and fine tuned services so that it fits your individual needs. Also, some argue that it is also about instinct - if you feel there is something amiss and you can’t trust your CFA, look elsewhere.
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