Independent Financial Advisor A financial advisor is a professional who assists businesses, individuals and governments with financial services. This involves a lot of investment advice, which includes pension planning, counseling in life insurance, income protection insurance, critical illness insurance etc and some proper guidance in mortgage. Having gained all the knowledge through their prior experience, they helps their client sustain the preferred balance of investment, capital gains etc. They provide the clients with a great amount of financial information in stock, bonds, real estate investment trust, mutual funds etc. They receive a considerable amount for commission for the services they offer.