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20 Reasons Why You Should Be Using a Financial Adviser


In 2020 we’ll have been in business for 20 years! To celebrate, each month we’re sharing 20 top tips about topics that are closest to our heart. Our aim is always to provide you with the best possible information so you can make informed financial decisions. This month we’re talking about how we can help you make the most of your money throughout each key stage of your life.

20 Reasons Why You Should Be Using a Financial Adviser

You might think you only need a financial adviser when you’ve got a lot of money or you’re making complex investments. In fact, a financial adviser can help you at every stage of your life. We can use our experience to find out about your particular circumstances and advise you about the best products and services to suit your needs.

So, whether you’re just starting out and thinking about buying your first home, you’re in your 40s or 50s planning for retirement or you’ve reached the stage where you want to withdraw from your pension in the most tax-efficient way possible, we can help. Let’s take a look at 20 reasons why you need a financial adviser throughout your life.

From Single and Sorted to Settling Down – your 20s and 30s

  1. Whatever the size of your first paycheck, the earlier you start saving the better. We can advise you about the best inflation-beating savings plan to suit your income and expenditure.
  2. Need support finding your financial feet? We can help you set investment goals you can keep and monitor progress towards them.
  3. As soon as you’re ready, we can help you make tax-efficient investments – particularly important if you’re thinking about buying your first home.
  4. And when it comes to mortgages, we can advise you about the best lenders and products to suit your circumstances.
  5. Once you have a mortgage or people who depend on your income you’ll need protection insurance to provide financial security in case of accident or serious illness.
  6. Planning for the future? We can help you manage your money so you can live your life now while building financial assets ready for when you stop working.

If you’d like to find out more information about financial advice in your 20s and 30s, please click here to download “The Value of Financial Advice Throughout Life”.

Accumulating Wealth and Paying Off Debts – your 40s and 50s

  1. As you get older retirement is likely to be on your mind. You might also have more disposable income if your mortgage reduces and/or your children leave home. It’s imperative you invest this money wisely if you want to enjoy the retirement you deserve! This is not a simple process, many factors might influence your decision. First of all, we can help you set financial objectives based on what you want your money to do for you, now and in the future.
  2. It’s vital you feel confident about the financial decisions you are making. We can help you work out your risk profilethe amount of risk you’re comfortable with and the potential level of loss your finances can cope with.
  3. We can provide advice about the best investments in light of your risk profile and objectives…
  4. … and make sure they are as tax efficient as possible.
  5. All the while taking care of the on-going management of your investment portfolio, giving you peace of mind to know your money is working hard for you.

If you’d like to find out more information about financial advice in your 40s and 50s, please click here to download “The Value of Financial Advice Throughout Life”.

Taking your Pension and Enjoying your Retirement – your 60s and Beyond

  1. Once you start withdrawing from your pension, you’ll need advice about the best way to do this to maintain tax efficiency.
  2. At this stage of life there are excellent tailored investment products we can advise you about to make the most of your money.
  3. We can also help you with estate planning – controlling the amount of tax payable on your wealthto leave it in good order for your beneficiaries.
  4. We can also advise about lifetime gifts…
  5. …trusts…
  6. …and exemptions and reliefs.
  7. We can help you make sure your will is in order, so you know your loved ones are taken care of.
  8. We can take care of your pension…
  9. …and life assurance arrangements.

If you’d like to find out more information about financial advice in your 60s and beyond, please click here to download “The Value of Financial Advice Throughout Life”. So, there you have it! 20 reasons why you should be using a financial adviser. If you want to learn more and receive advice tailored to your personal circumstances, please get in touch.

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