When you hear the term “financial adviser,” what comes to mind?
A lot of people think about an experienced expert who can give them financial advice, mainly when it comes to investing.
This is true, but is also a very vague answer. Financial advisers help people with a variety of money issues and objectives. Covering all areas of finance from insurance for protection, pensions and retirement, to inheritance tax and long term care. They don’t only help people with lots of money to invest, often the individuals they help are ordinary working people, just like you, wanting to make the most of what they’ve got.
Just like all investors are individuals with specific individual needs and goals, advisers are the same. They don’t come in a one-size-fits-all package. Although they will all have a certain level of required qualification many will have different degrees and certifications. They come from diverse backgrounds and have differing areas of expertise.
Financial advisors assess the financial needs of individuals and help them with pre and post retirement investments, tax, and insurance decisions. They help clients plan for short-term and long-term goals, such as education expenses and retirement. They recommend investments to match the clients’ goals. They invest clients’ money based on the clients’ attitude to risk and capacity for loss.
Budgeting to reach financial goals:
Help you understand what actions you need to take to reach those short & long-term goals.
Long-Term Care planning:
Paying for care is very expensive and is only likely to increase, the last thing anyone wants is to run out of money and have to change care providers.. An adviser that specialises in Care Planning can guide you through the options available for paying care fees and also discuss what is available through the local authority.
It’s a depressing subject but when you die you want to be able to pass on as much of your wealth as you can. An adviser can help you reduce or wipe out the potential liability so that more of your estate goes to those you want it to.
Whatever your retirement dream is, you need to have stable income streams to carry you through two or three decades or more. An adviser can help you to receive as much income as possible paying the lowest amount of tax and make sure that you don’t run out of money.
Understanding tax implications if you are expecting to inherit money in the future as well as if you are leaving assets & money behind. An adviser can explain in layman’s terms so that it is easier to understand.
Making the most of tax breaks available to you and minimising your tax burdens. It may surprise you that many people are paying too much tax because they have the wrong tax code. An adviser can work out what it should be and help you reclaim over paid tax.
Remaining emotionally neutral when markets take a turn for the worse. An adviser can be the voice of reason that reminds you to look at your investments with a long lens but equally be able to tell you when you should sell to improve your overall returns.
If you are looking for a Financial Adviser we’re here and ready to help you face your financial challenges head on.
Call us on 0845 680 8910 or email: firstname.lastname@example.org
The Moneytree Corporation Limited Registered in England number: 4350758. Registered Address: 14 Gipsy Lane, Warminster, BA12 9LR. Savvy Financial Planning is the trading name of The MoneyTree Corporation Limited which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate taxation and trust advice. We are entered on the FCA Register No: 504571 at www.fca.gov.uk/register. The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. The value of investments and income can go down as well as up and you may not get back the full amount invested. Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR. Tel: 0800 023 4567 or 0300 123 9123, www.financial-ombudsman.org.uk.
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