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A good financial adviser will work with you to develop a game plan that fits your financial circumstances and tailors a plan to accomplish your goals.  Although some people find that they are more comfortable doing their “own thing”, many people gladly turn over the details of developing a financial plan to an expert.

What Financial Advisers Do

As a Financial Adviser I want to look at your whole financial picture – all your income and liabilities. This complete picture of where you are financially enables me to draw a map from where you are to where you want to go. The main benefits to you are:

• The Big Picture –a comprehensive profile of your financial status. This profile will identify areas of strengths and weakness.
• An Unemotional Assessment – of what needs to be done.  Money is an emotional topic for many people, which often leads to bad decisions.
• Allocate Resources – it is likely you have competing priorities. I can help you allocate resources to achieve the right balance for you.
• Tax Implications – most investment decisions carry some type of short or long-term tax implication.
• Estate Planning – careful planning will help ensure that your estate passes to loved ones in a manner that protects as much of its value as possible.

Financial Planning

By undertaking a comprehensive fact find and need analysis with you, I provide a financial plan that details my findings and provides a blueprint to reach your goals.

When dealing with the interaction of various complex financial products, professional help can be invaluable.  Common areas where I provide expert help include:

• Annuities (pensions). An annuity is the product you trade your pension in for when you retire, in order to get an annual payment for life. It's a big one-off financial transaction, and it's important you get it right as you can't change your mind. 
• Endowments. If you have a sizeable endowment and are considering surrendering or selling it, the complexities can be huge. 
• Financial and tax planning and structuring. At the high end, finance can be complex. There's a range of sometimes impenetrable products that can be useful but are also tough to understand. 
• Investments. Choosing an investment is about assessing the risk and trying to second-guess the markets.  While many people successfully manage their own investments, if you are planning investments for future events (e.g. funding university fees), it can be very complex.
• Mortgages.  This is the largest financial transaction most people will undertake.
• Protection products. Life assurance, critical illness, and income protection can all be complex products, with many exclusions. 
• Pensions and pension transfers. Getting a private pension these days is often a simple case of picking a stakeholder correctly. Yet pensions can be very complex, especially for those who want to transfer a sizeable existing pension.