Financial Advisor Direct

No investment is risk-free. Several factors should be considered when investing. You'll need to consider the stage of your life, the amount of money you have to invest, and the level of risk you're prepared to accept.

A financial advisor can help you decide where to draw your lines. They'll look at all the elements and consider your ambitions before advising you on what route to take.

Generally, financial advice is not free, but it can offer significant long-term benefits that outweigh the initial cost.

The laws surrounding pensions changed in 2015. You can now withdraw funds held in your pension fund when you reach the age of 55. You can keep up to 100% of the value of your pension in your estate. (changing in 2027)

These are not decisions to be taken lightly, and it's always prudent to seek the appropriate advice before taking action.

Financial advice is mandatory for UK-defined benefit pension pots over £30,000.

Generally, pension advice is not free, but it can offer significant long-term benefits that outweigh the initial cost.

Financial advisors aren't always referred to as financial advisors. Instead, they're sometimes named by their specialism, such as mortgage advisor, mortgage broker, investment advisor, pension advisor, or financial planner.

Sometimes, they are known as ‘brokers’ – often when dealing with products such as:

* Mortgages & remortgage

* Insurance & protection

* Equity Release

Whatever they may be called, all financial advisors within the UK have in common that they're regulated by the Financial Conduct Authority (FCA). This means there are rules they must follow when dealing with you.

This includes the following areas of advice:

* Investments

* Pensions and retirement income products

* Final salary pension schemes

* Inheritance tax planning

* Holistic financial planning

Many offer holistic financial planning, advising you on all aspects of your financial needs. That way, you recognise you'll be getting the widest choice. In general, financial advice helps you make informed decisions about how to manage your money, including investments and other financial strategies. Generally, financial advice is not free, but it can offer significant long-term benefits that outweigh the initial cost.

Advisors work closely with their clients daily to reevaluate their current situation and future goals and plan accordingly. To accomplish your goals, you will need a talented professional with the proper certification to assist and make these plans a reality; this is often where financial advice comes in.

Part of the advisor's task is to help you understand what's involved in achieving your future goals. The first step in the financial advice process is understanding your financial health. A financial advisor will then work with you to create a comprehensive picture of your assets, liabilities, income, and expenses.

Your answers help the advisor understand your situation and ensure you do not overlook any important information. Having an understanding of your risk assists the advisor when it's time to see your investment asset allocation. At this time, you'll also let the advisor know your investment preferences. Once you and the advisor understand your current financial position and future projections, you can work together on a concept to fulfil your life and financial goals.

Telephone: 0330 088 2707

Mon-Fri: 9AM--4:30PM

If you are an independent financial advisor or restricted advisor and would be interested in working with us. Click here to find out more.

While Financial Advisor Direct take every care in making their recommendation, any contract or agreement is between the selected financial advisor and the client. Financial Advisor Direct offers all types of advisors including restricted advisors who may be limited to fewer options, but they may offer preferential rates.

RMT Group Limited, trading as Financial Advisor Direct, is licenced by the H.M. Government of Gibraltar for the provision of generating online financial services leads. License number BL160240. RMT Group Limited registered office is at 2 Crutchetts Ramp, Gibraltar GX11 1AA, with registered company number 112738. Copyright 2022 RMT Group Limited. All Rights Reserved.

NOTE: All testimonials are fully accurate and have not been amended.

The financial promotion was produced internally by RMT Group Limited. The financial promotion will only be distributed within the United Kingdom. The financial promotion is not for a registered fund. Details of how the communications will be distributed are as follows: The financial promotion is available via search engines and to the general public. RMT Group Limited is not authorised or regulated by the FCA.

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