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Financial Advisors in the UK
Medical Investment Services
Godalming, Surrey, South East England, GU7 1DW
MIS is a small (but perfectly formed!) dedicated firm of independent financial advisers. We aim to provide the highest level of individual service to clients seeking advice on all financial matters.
Andrew Dickson
Eye, Suffolk, East England, IP23 8HU
We hope what you find here will lead you to a more productive and less complicated financial world. Our firm provides personal investment advice, financial planning and an Employee Benefits
Austen Birkett Financial Planning
Southwell, Nottinghamshire, East Midlands, NG25 0JP
Austen Birkett Financial Planning specialise in retirement options, investment planning and taxation and trusts, backed by advanced financial qualifications and over 20 years experience in the
Radcliffe & Newlands
Barbican, City of London, London, EC2A 4BX
We are financial planners, wealth managers and employee benefits consultants. You can view details of services for private clients, employee benefits and some client testimonials. We have experts in a
T M S Financial Solutions
Truro, Cornwall, South West England, TR1 2PN
TMS was established in 1986, since when the Company has grown constantly and is now acknowledged as one of the region's foremost providers of independent financial advice. Our aim is to provide a
All Counties Financial
Birmingham, West Midlands, West Midlands, B1 1BD
We offer non investment protection products e.g. term assurance, income protection and critical illness from a range of insurers. We aim to get you the most cost effective policy without compromising
Clarendon Financial Services Marketing
Colliers Wood, South West London, London, SW19 4NG
As a financial services marketing and communications agency, we're specialists in all things financial. We live, breathe and sleep everything from investments to insurance and the regulatory framework
AFL Financial Services
Godalming, Surrey, South East England, GU7 1DS
Based in the market town of Godalming in the heart of Surrey, AFL Financial Services Ltd has been providing financial advice since 2001. With over 60 years' combined experience in financial services,
Sphere Financial Services
Stockport, Greater Manchester, North West England, SK12 2DT
All the advisers at Sphere are passionate about making sure you are looked after in the same way as we would like our families to be. We take time to find the right Mortgage or Protection Insurance
YourMoneyHub.co.uk
Worthing, West Sussex, South East England, BN11 4NF
YourMoneyHub.co.uk specialises in helping people connect with a qualified professional who can help with Accounting or Financial Advice. Simply choose from our Network of Accountants and Financial
Lawson Financial Management
Wokingham, Berkshire, South East England, RG41 4SY
Lawson Financial Management is authorised and regulated by the Financial Conduct Authority to give Independent Financial Advice and acts on behalf of clients, not for any insurance company, bank or
Central Financial Services
Sutton Coldfield, West Midlands, West Midlands, B73 6NZ
Central Financial Services offers a complete one stop solution to your Residential property mortgage. We can offer a complete service, whether you need a residential mortgage or commercial mortgage We
Yates Travis
Clitheroe, Lancashire, North West England, BB7 2BX
As independent financial advisers (IFA) we are committed to providing objective and comprehensive advisory services to both private and corporate clients throughout East Lancashire. We are pension and
DC&A Financial Planning
St Helens, Merseyside, North West England, WA10 2AD
David has been looking after our financial needs since the early 1990's. He has a most pleasing and welcoming personality which quickly puts you at ease. He is reliable and extremely hard working
Merrixgrogan Chartered Financial Planners
Nottingham, Nottinghamshire, East Midlands, NG8 6PY
Since we established our private practice in 2005, it has been built on the foundation that the client is at the heart of the business. We have built a team and culture to reflect the fundamental
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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