Why Work With An Independent Adviser
An adviser or agent who is paid by an investment house or insurance company to sell their products will usually have the interests of such investment or insurance company at heart. Regardless of your current financial circumstances, and regardless of what would be the best financial steps for you, their recommendations will often lean toward buying the financial products of their company. They are limited by the choices available to them and by extention, the options they can offer you.
An independent adviser is not beholden to a particular investment or insurance company. He is more likely to give unbiased advice, present more investment choices and then let you make the final decisions without any pressure or coercion.