To determine if a financial adviser is independent, you should look for certain features as per the MAS guidelines. For instance, an IFA:
• Does not receive any commission or other benefits from a product provider
• Operates free from any direct or indirect restriction relating to any investment product recommended
You can also verify an adviser's license by checking the Monetary Authority of Singapore's Financial Institutions Directory. This helps you confirm their status and ensures they abide by the necessary regulations.
Remember to research and compare multiple advisers before making your final decision to ensure they align with your financial goals and objectives.