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Financial Advisors in the UK
Manor IFA
Ipswich, Suffolk, East England, IP3 9FJ
If you are looking for high quality independent financial advice and friendly personal service you have come to the right place. Please have a look round the web site for more detailed information on
Atkinson White Partnership
Darlington, County Durham, North East England, DL3 7EH
The company was formed by Neil White and Simon Atkinson in January 2007 with the aim of getting back to the basic principles of Financial Services, namely to provide good quality independent financial
Hallmark Financial Services
Chipping Ongar, Essex, East England, CM5 0GA
The experienced and highly qualified advisers at Hallmark Financial Services Limited will be able to provide you with high quality, Independent Mortgage and Insurance Advice on the issues that matter
D S Financial Services
Sheffield, South Yorkshire, Yorkshire and the Humber, S35 7AT
DS Financial Services is a trading style of DS Financial Ltd. The firm is directly authorised and regulated by the Financial Conduct Authority in the UK under authorisation number 512517. Our model is
Brian Mole
Burton upon Trent, Staffordshire, West Midlands, DE14 1SY
From 1981 to early 1994 Brian Mole traded as Brian Mole Financial Services. In early 1994, the company became a Limited Company and began trading as Brian Mole Independent Financial Advisers Limited.
Green Financial
Putney, South West London, London, SW15 2RS
I have held the full Financial Planning Certificate since 1996, the Financial Planning Diploma since 2008 and I am accredited in the internationally accepted ISO22222 benchmark for Personal Financial
Gilliland Neilson Brown
Strathaven, South Lanarkshire, Scotland, ML10 6SH
We are delighted to announce our new status as Chartered Financial Planners, the gold standard for firms of financial advisers. It is awarded to firms who can demonstrate commitment to developing
RJS Financial
Abergavenny, Monmouthshire, Wales, NP7 5EE
Welcome to RJS Financial Ltd - RJS Financial Ltd, based in Abergavenny, Monmouthshire offer both personal and corporate financial planning advice. RJS Financial Ltd work across Wales in partnership
RS Financial (NE)
Newcastle upon Tyne, Tyne and Wear, North East England, NE2 1HR
RS Financial offer simple and straightforward help and advice on a large range of financial products and services. Using their years of experience gained in the financial market and having the
Harrington & Horne
Ealing Common, West London, London, W5 4DR
With over 20 years experience in the financial and property markets, Harrington & Horne Financial Services Ltd success has been based upon finding the most suitable financial solutions for our clients
Richard Hawkings
Southport, Merseyside, North West England, PR8 6DL
Based in Warrington and Southport we take a 'hands on approach' to help our client's manage their personal finances, both now and in the future. I work alongside LJ Financial Planning Limited, a firm
Absolute Financial Management
Hastings, East Sussex, South East England, TN34 1BE
Mark and Spencer, our two directors, started as Independent Financial Advisers in 1999 when they founded Priorities. In 2003 they made the decision to merge Priorities with Trinity House IFA Ltd,
Regency Financial
Rugeley, Staffordshire, West Midlands, WS15 2TD
Welcome to the website of Regency Financial Ltd., we are a small but perfectly formed company of Financial Advisers and Mortgage Consultants based in Walsall. We have been providing bespoke financial
Affinity Financial Insight
Telford, Shropshire, West Midlands, TF3 3BD
Having carried out a number of key roles at the latter, including Barclaycard Financial Controller, Senior Finance Business Partner and Head of Finance Integration, Emma is an expert trouble-shooter
Ainsworths
Cheadle, Staffordshire, West Midlands, SK8 1AH
Our team of specialist advisers are highly trained and totally independent. We sit down and listen to your circumstances and your aspirations and together we formulate a financial plan for you to
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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