Telephone: 0330 088 2707
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All our advisors are regulated with the UK's Financial Conduct Authority
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Pensions & retirement
No two pensions are the same. Make sure your fund is not being eaten by charges or worse yet losing money.
A financial advisor will look at your fund, chart its performance and investigate better options.
No investment is risk free. There are many factors to consider when it comes to investing. You'll need to consider what stage of your life you're at, how much money you have to invest and what 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.
Final salary pension schemes
Inheritance tax planning
The laws surrounding pensions changed in 2015. You can now withdraw funds held in your pension fund when you reach the age of 55 should you transfer a final salary scheme into a personal pension plan. You can potentially keep up to 100% of the value of your pension in your estate.
These are not decisions to be taken lightly and it's always prudent to seek the appropriate advice before taking action.
A financial advisor can advise you on the ins and outs.
Legislation surrounding inheritance tax changes often. A financial advisor can help you avoid paying more than you need to on your estate.
A simple review maybe all that's required to assess or re-assess your estate's position.
Types of advisors
No hidden fees and no surprises. Your financial advisor will outline any costs during the initial consultation. This leaves you free to make an informed choice before committing.
Financial Advisor Direct will connect you to the best local financial advisor who will make contact the same day or within 24 hours.
The first consultation lasts around an hour. This is a fact-finding exercise to find out what you need and how the advisor can help provide you the right financial advisor services.
Financial Advisor Direct offers all types of advisors including restricted advisors who may be limited to fewer options, but they may offer preferential rates.
Types of financial advisors
Financial advisors aren’t always called ‘financial advisors’. Instead, they’re sometimes named by their specialism, like ‘mortgage advisor’, ‘mortgage broker’, ‘investment advisor’, ‘pension advisor’ or ‘financial planner’.
Sometimes, they are known as ‘brokers’ – often when dealing with products such as:
* Insurance & protection
* Equity Release
Whatever they could be called, what all financial advisors within the UK do have in common is that they’re regulated by the Financial Conduct Authority (FCA). This means there are rules they must follow when dealing with you.
Financial advisors who deal with investments
This includes the following areas of advice:
* Holistic financial planning
Many offer holistic financial planning, where they’ll advise you on all aspects of your financial needs. That way, you recognise you’ll be getting the widest choice. In general, financial advisors facilitate your decisions about what you ought to do along with your money, which can include investments or other courses of action. Advisors use their knowledge and expertise to construct personalised financial plans that aim to realise the financial goals of clients. These plans include not only investments but also savings, budget, insurance, and tax strategies.
Advisors further work with their clients on an everyday basis to re-evaluate 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 a financial advisor comes in.
Part of the advisor's task is to assist you understand what's involved in meeting your future goals. As you advance in your knowledge, the advisor will assist you in understanding complex investment, insurance, and tax matters. the 1st step within the financial advisory process is knowing your financial health. A financial advisor will then work with you to urge an entire 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 also. Once you and also the advisor understand your present financial position and future projections, you’re able to work together on a concept to fulfil your life and financial goals.
Telephone: 0330 088 2707
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.
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NOTE: All testimonials are fully accurate and have not been amended.
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