Do I really need advice?

We know that managing finances can be complicated and it’s often hard to know what’s best for your life savings. Financial Advice takes that stress away from you and gives you the confidence of letting an expert work out the best way forward.

Having an expert financial plan and a better understanding of your options can go a long way. You’ll have more peace of mind for the future and everything you need to make the most of your money.

First; we’ll break down some things you might have already thought about regarding your finances, and take a closer look at how an expert adviser can help.

Can I not just look it all up online?

There’s a lot of information out there online and many conflicting opinions about what’s best for your money – so it can all get a little confusing and even stressful.

However, to have a clear understanding of what’s best for you and your money, you need to have a good grasp of the following:

  • How different funds, policies and plans are managed
  • The risk ratings of different investment types
  • All of the latest tax rules
  • How to keep track of market trends
  • How to get the best possible rates
  • All the jargon that comes with investments, retirement and pensions

Managing your own finances also takes a lot of time and the ability to keep checking everything on a regular basis to make sure your money is still on track. You also need to proactively look out for new opportunities.

If you don’t want to do all that yourself, letting an expert do it for you can be a huge weight off your shoulders.

You can worry less, spend more time on enjoying life while safe in the knowledge that someone else is making your money work harder.

If you choose to invest, the value of your investments could fall as well as rise and you may get back less than you paid in. Laws and tax rules may change in the future. Your own circumstances also have an impact on tax treatment.

What will an adviser do for me?

Getting Financial Advice isn’t just a one-off meeting or a simple plan that you look at once then never worry about again. It’s an ongoing commitment to make sure your money is working as hard as possible, and that you stay on track to meet your goals.

A financial adviser will:

  • Make use of your tax allowances, so you don’t pay more than you need to
  • Plan your retirement income and help you manage your finances when you retire
  • Inheritance tax and estate planning so you can pass on as much as possible to your loved ones
  • Make sure your investments are in line with the amount of risk you’re comfortable with
  • Give you peace of mind that your personal financial affairs are being looked after

Areas where financial advice can help you most

Here are a few areas where financial advice can help.

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Getting ready to retire

See how getting a personal retirement plan can help give you more money to enjoy in retirement.
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Getting ready to retire

See how getting a personal retirement plan can help give you more money to enjoy in retirement.
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Need help with tax?

Find out how tax planning can help you lower your tax bill and help make your money go further.
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Need help with tax?

Find out how tax planning can help you lower your tax bill and help make your money go further.
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Investing for your future?

A financial adviser can help you understand your goals and recommend an investment strategy to suit them.
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Investing for your future?

A financial adviser can help you understand your goals and recommend an investment strategy to suit them.
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Planning to pass money on?

Inheritance tax can really eat into how much you’re able to leave your loved ones – but good advice can help.
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Planning to pass money on?

Inheritance tax can really eat into how much you’re able to leave your loved ones – but good advice can help.
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More help and money tips

We have a range of guides and tips that can help you make the most of your money.