Rose IFA Ltd is totally independent. Advice is offered on Savings and Investments, Pensions, Life Assurance, Income Protection, Long Term Care and Mortgages, including Equity Release. Planning for Income In Retirement and Inheritance Tax Planning are important areas for personalised advice. Initial discussions are without charge or obligation. Remuneration can then be either based on commission, fees or a combination of the two. It is seldom too early to plan financially, but it is sometimes too late.