Of those advisers surveyed, 21% had considered the split and among these there were concerns that a vote for yes would result in widespread uncertainty both sides of the border.
Chris Hannant, director general at APFA, said: “The vote on Scottish independence isn’t just an issue that affects people in Scotland.
“Many advisers will have customers on both sides of the border and more will recommend providers based in Scotland to customers elsewhere in the UK.
“I would expect greater clarity as to what would happen over the coming year and it is in the interests of advisers to keep an eye on the independence debate as it develops.
“It’s an issue that all advisers need to bear in mind when planning for their business regardless of where they are based.”
The most common concerns raised was the way that providers based in Scotland would interact with clients in the rest of the UK.
In total 94% said they use providers based in Scotland and some of those who have considered the impact of Scottish independence said that depending on the outcome they may no longer be able to offer those providers’ products and services to customers.
