Is It Important To Talk To A Financial Adviser?

We all have times in our life when we aren’t sure what to do with our money. Talking to a financial adviser can help you make decisions about your financial future. Getting financial advice can help you make decisions about retirement, savings, making the most of inheritance, taking out a mortgage to buy a property and also when your life changes such as starting a family or getting a divorce.

We are independent financial advisers (IFAs) who provide unbiased advice about a whole range of financial products from all different companies. We are also regulated by the Financial Conduct Authority (FCA) ensuring we meet the right standards and you, the customer, gets more protection.

What advice should be given by a financial adviser?

When you talk with a financial adviser, the products that they recommend should:

  • be affordable for you
  • take into account whether you want to save for the long or short term
  • be suitable for the amount of risk you want to take
  • take into account of whether you pay tax

If we can’t do the above then we would refer you to another adviser who would be able to help you.

What should you prepare before you talk to a financial adviser?

We ask our clients to think about the following before our first, initial meeting:

  • Are they planning for a particular event? (e.g. retirement, starting a family, buying a house)
  • Do they have spare money to invest?
  • How much risk are they prepared to take with their money?
  • How long do they want to tie up their money for?
  • Do they want advice on different kinds of investments (e.g. sustainable investments)
  • Are they looking for advice or just information at this stage?
  • Do they want one-off advice or advice on an on-going basis?

The above advice from any financial adviser will come at a cost and this should be transparent from the beginning. We explain our fees so that the client understands the costs from the outset and can easily compare with other financial advisers.

If you would like any further information or would like to set up a meeting to talk to a financial adviser, then please get in touch.

*Investments carry risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested. The Financial Conduct Authority does not regulate Inheritance Tax Advice.

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