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Financial Advisors in the UK
Juniper Pensions & Investments Specialists
Worthing, West Sussex, South East England, BN11 1UR
Juniper was established in Worthing in 2005 by Helen Craft and Karen McGrath, with the aim of bringing specialist retirement advice to people in West Sussex and beyond. Helen and Karen are both
Watt Money
Maidenhead, Berkshire, South East England, SL6 2ED
Watt Money Ltd are based in Maidenhead town centre, Berkshire. Andrew Watt, married father of 4, has over 26 years financial services experience. He left university in 1984 and joined the Financial
Fettes Lucas & Partners
Chichester, West Sussex, South East England, PO19 8DJ
Lucas Fettes is an independently owned Lloyd's Accredited Insurance Brokerage, Financial and Employee Benefit advisory practice. We are a leading independent supplier of insurance solutions and
Alchemy Advisory Services
St Asaph, Denbighshire, Wales, LL17 0JE
Alchemy Advisory Services is a small family owned business operating from offices in St Asaph and Ellesmere Port. We pride ourselves not only in having attained Corporate Chartered Financial Planning
Invest Southwest
Taunton, Somerset, South West England, TA1 3NA
Fully authorised and regulated by the Financial Conduct Authority, reference number 469547, we offer the best solutions from the entire market to suit your personal, family and business needs. Getting
St Barts Finance
Bournemouth, Dorset, South West England, BH8 9RR
St Barts Finance helps clients make the most of their capital, whilst providing a confidential and safe home for all their financial needs. We conduct a no obligation initial consultation and tailor
Robert Nicholas Financial Advisers
Telford, Shropshire, West Midlands, TF10 7AY
We aim to provide quality independent financial advice in a professional and friendly manner. Initial consultations are free, confidential and without obligation. We predominantly cover Shropshire and
Cooper Johnston Associates
Harrogate, North Yorkshire, Yorkshire and the Humber, HG2 8QE
Cooper Johnston Wealth Management was formed in 2002 by Peter Cooper and Ian Johnston to provide a professional, fee based, holistic financial planning and wealth management service to clients. We are
Financial Risk Management
Wolverhampton, West Midlands, West Midlands, WV6 7YU
Any road will take you there if you don't know where you are going! So often we meet clients who have plans for their business for the next month, year, 5 years ahead yet ask them how these plans fit
Park House Financial Services
We believe in providing excellent customer service and helping you to identify and work towards your life and financial goals - the immediate, those on the horizon and looking forward to the future.
Mansfield Financial Planning Services
Mansfield, Nottinghamshire, East Midlands, NG18 1QJ
Although we are fully independent, we are a member of the largest independently owned financial services network in the UK, enabling us to have the most up to date information, and, be fully
Taylor Winchester Financial Management
Bexhill, East Sussex, South East England, TN39 4SL
Taylor Winchester Independent Financial Management Ltd was established in 2008 and are based in Little Common, Bexhill-on-Sea, East Sussex. We provide a personal and professional service to both
Alexander Calder Financial
Worksop, Nottinghamshire, East Midlands, S80 1PD
This service is about you achieving a specific goal at a specific time without the need for ongoing reviews and support. Our fees are therefore 'one-off' and whilst the service is very comprehensive,
Financial Discuss
Shoreditch, East London, London, E1 8EU
We prioritise providing individual and personalised liquidation advice at a low cost as quickly as possible. Our experts will deliver the best possible action plan appropriate to your particular
Institute Of Financial Planning
Bristol, South West England, South West England, BS1 6NP
We're committed to the development of the multi-disciplinary profession of Financial Planning and we're here to help our members to enjoy a rewarding and successful career as Financial Planning
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Do you wonder what a financial advisor does for a living? Maybe you need the professional assistance and help of a financial advisor? We can help you choose the right financial advisor and specialist in that field by sharing more about what a financial advisor does and how they can help you. Stay tuned to learn more.
Why Choose a Financial Advisor?
In a nutshell, a financial advisor is this type of specialist who will advise you on your financial endeavours and affairs, the investments you want to make, some good financial opportunities for you, the course of action you may take for your best. Naturally, people are not used to sharing a lot about our current financial situation and our plans. However, It is literary the job of the financial advisor to know about your plans, aspirations, financial past and help you explore a window of good opportunities. This article will provide you with an overview of what a financial advisor actually does and how the right financial advisor will help you choose the appropriate investments for you. With the help of such information, you will be able to choose the right financial advisor for you. At the end of the day, a financial advisor is someone you have to fully trust and rely on. Therefore, make sure to follow our tips and recommendations and also go with your guts, when choosing a financial advisor.
What does a financial advisor do?
Think of your financial advisor as a planning partner. In order to accomplish your financial goals, you can benefit a lot from the professional help of a financial advisor. A skilled professional with the right licenses and qualification if someone who will help you make all good plans become a reality.
A financial advisor can be competent and help you in different aspects, including the amount of money you should save in order to finance your plans and goals, the types of accounts that are best for you, the kinds of insurance that is best for you, estate and tax planning, etc. Part of the job of a financial advisor is also to help you understand how you can achieve your future financial goals. A financial advisor will have enough understanding, knowledge, and expertise in financial topics and be able to help you understand them too. Such financial topics a financial advisor will most likely discuss with you include budgeting, saving, complex investment, insurance, tax matters, etc.
However, the first thing a financial advisor will do for you when you start working together is they learning more about your financial health and current financial situation. It is impossible to make a solid plan for a financial future if you don’t know where you stand at the moment. Therefore, a financial advisor will start with this aspect, typically learning more about your financial health through a detailed questionnaire they will give you to fill in. Make sure to provide honest and detailed answers, as this will help the financial advisor understand all important information about you and your financial health.
Financial Advisor and the Financial Questionnaire
The way you will fill in the questionnaire you are given by the financial advisor will determine how well and detailed they will be informed of your assets, liabilities, income, expenses. This questionnaire will typically also cover topics such as future pensions, income sources, project retirement needs, long-term financial obligations if any. You should also let the financial advisor know more about your investment preferences. This initial stage of assessment of your financial plans and current situation also includes other aspects including insurance issues, your tax situation, your current estate plan, other possible professionals you are involved with on your planning team, including lawyers, solicitors, accountants, etc.
Financial Advisor and a Financial Plan
Once the financial advisor collects, assesses, and reviews all the details and information you provide them with, they will be ready to create a comprehensive financial plan for you that will pretty much turn into the roadmap of your financial future and provide you with guidelines. Such a financial plan will summarize your current financial situation and all key details you have provided and will also include all the financial goals you and your financial advisor have already discussed and planned. Such a document will cover a few important topics, including your risk tolerance, estate-planning details, family situation, long-term care risk, other possible present and future financial issues. Next, the financial advisor will continue the financial plan by mentioning all potential best- and worst-case retirement scenarios and the needed steps that have to be taken for preventing the worst-case scenarios.
Financial Advisor Plans Action Steps
A financial advisor is a professional, who is involved in not only helping you with investments but also dissecting and improving every aspect of your financial life and situation. In fact, it is not even necessary to hire a financial advisor in order to get professional advice on investments. However, most people will opt for the help of a financial advisor mainly because of investments. In this case, the job of the financial advisor is to set an asset allocation, keeping in mind your risk tolerance and risk capacity. What an asset allocation determines is how percentages of your total financial portfolio will be allocated towards different asset classes. Additionally, the financial advisor will adjust your asset allocation based on your current age and how long you have before retirement. The financial advisor will work in accordance with the law and regulations in the field and also with their own or their company’s investment policy when they buy and sell financial assets.
Financial Advisor and Investments
It is important for you to understand what and why your financial advisor is recommending. Don’t follow their recommendations blindly, always make sure to ask questions, if you are concerned or not sure you understand something. Also, keep a close eye on the fees you are paying to your financial advisor. Ask your financial advisor why they recommend an investment, also if they will get a commission by selling you this investment. Pay attention to the investment philosophy of the financial advisor’s firm too.
Why choose a financial advisor?What does a financial advisor do?
Financial advisor and the financial questionnaire
Financial advisor and a financial plan
Financial advisor plans action steps
Financial advisor and investments