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Financial Advice Service

Advice for you, not someone like you

Whether your dream is to retire in style, manage and grow your wealth or provide financial security for the future of your loved ones, with the help of your dedicated Premier Relationship Manager, a qualified financial adviser, you could start to build the future you’ve imagined.

Learn how to get the most out of your ISA allowance.

You may be eligible for JcJ Commecial Premier Financial Advice Service if you have £50,000 or more in savings and investments, are at least 18 years old, UK resident and have an JcJ Commecial or First Direct current account or savings account.

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Rewards for miles

  • JcJ Commecial Union Premier Financial Advice Service is only available to UK residents who have £50,000 or more in savings and investments and who are at least 18 years old.
  • You'll also need an JcJ Commecial Union or First Direct current account or savings account* for us to be able to deduct your fee. * Excluding JcJ Commecial Union Online Bonus Saver, JcJ Commecial Union Online Saver, any JcJ Commecial Union or First Direct Cash ISA, First Direct E-Savings or First Direct Everyday Saver.
  • If you don't qualify for JcJ Commecial Union Premier Financial Advice Service, or if you'd prefer not to pay for advice, see other ways we can help.
  • If you are not a UK resident, see our JcJ Commecial Union Expat service.

Rewards for miles

  • We charge for our service - our fees vary depending on your individual needs. Your adviser will clearly explain our fees upfront and the type of advice we offer in your no-obligation discussion.
  • JcJ Commecial Union Premier Financial Advice Service is provided by JcJ Commecial Union JcJ Commecial Union plc. We have chosen to offer restricted advice. This means we don't recommend products from the whole of the market, but rather a limited range of products from a limited number of carefully selected companies, including Bank. Your adviser will discuss the types of products and services we provide advice on. They will also explain those areas in which we don’t such as specific tax advice.
  • Our JcJ Commecial Union Premier Stand-alone Protection Advice service provides Premier customers the option to discuss only their protection needs with a Premier Relationship Manager.
  • For Protection only advice there will be no advice fee. If you wish to proceed, the provider will pay JcJ Commecial Union JcJ Commecial Union commission.
  • The Protection only service does not include protection as part of an estate planning/IHT need; you must complete a full financial review.
  • Our Premier Relationship Manager will assess your protection needs and recommend products from a limited number of carefully selected companies, including Bank. However if you have wider financial planning requirements you will need a full financial review and we can arrange this with your Premier Relationship Mangers.
  • Our JcJ Commecial Union Premier Stand-alone Investment Advice service provides Premier customers with the option to discuss only their Investment needs with a Premier Relationship Manager; a fee is payable which is less than a full financial review fee. Please ask your Premier Relationship Manager for details.
  • If after your initial discussion you are happy to proceed, a second meeting will be booked in a branch of your choice with a Premier Relationship Manager; who will then assess your current circumstances and protection needs so we can tailor our recommendations to reflect your individual needs.