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Articles and advice

Why Hire a Financial Adviser?

Updated: Jun 6

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Why use a Financial Adviser?

Navigating the complex world of personal finance can often feel like a daunting task. From retirement planning and investment strategies to tax efficiency and estate planning, the financial decisions we make today can have a lasting impact on our future. For many, enlisting the services of a financial adviser is a prudent step towards achieving financial stability and success. Here are several compelling benefits of using an adviser:


Financial Performance

Research consistently shows that individuals who use financial advisers achieve better financial outcomes. A study by the International Longevity Centre (ILC) found that those who received professional financial advice between 2001 and 2007 accumulated, on average, £40,000 more in liquid financial assets and pension wealth by 2014-2016 than those who did not. Another report by Vanguard suggests that advisers can add around 3% to a client’s net returns through regular reviews, asset allocation, and tax-efficient strategies. These findings highlight the tangible financial benefits of professional advice.


Expertise and Professional Insight

Financial advisers bring a wealth of knowledge and expertise that is invaluable in making informed decisions. They stay abreast of market trends, regulatory changes, and economic shifts, providing advice that is both current and tailored to individual needs. This professional insight can help you navigate the complexities of investments, pensions, mortgages, and other financial products, ensuring that you make choices that align with your long-term goals.


Tailored Financial Planning

One of the most significant advantages of consulting a financial adviser is the bespoke financial planning service they offer. Advisers take the time to understand your personal circumstances, goals, and risk tolerance, crafting a financial plan that is uniquely suited to your situation. Whether you are planning for retirement, looking to grow your wealth, or saving for a life goal such as surrogacy, a tailored approach ensures that your financial plan is realistic, achievable, and flexible enough to adapt to life’s changes.


Objective and Unbiased Advice

In an age where financial information is readily available online, discerning which advice to follow can be challenging. Independent financial advisers provide objective and unbiased guidance, steering you away from common pitfalls and towards sound financial decisions. Their impartiality is crucial, especially when emotions and personal biases can cloud judgment, such as during market volatility or when making significant life decisions.


Time-Saving and Convenience

Managing one’s finances effectively requires time, effort, and a certain level of financial acumen. For many individuals, juggling these responsibilities alongside a busy career and personal life can be overwhelming. Financial advisers take on this burden, handling the intricacies of financial management and freeing up your time. They conduct thorough research, monitor your investments, and make adjustments as needed, allowing you to focus on other important aspects of your life.


Access to a Broader Range of Financial Products

Financial advisers have access to a wide array of financial products and services that may not be readily available to the average investor. They can introduce you to investment opportunities, insurance products, and retirement plans that are tailored to your needs and financial situation. This access ensures that you have a well-diversified portfolio that optimises returns while managing risk effectively.

Peace of Mind

Perhaps one of the most underrated benefits of using a financial adviser is the peace of mind they provide. Knowing that a professional is overseeing your financial affairs can significantly reduce stress and anxiety. This confidence allows you to enjoy life more fully, secure in the knowledge that your financial future is in capable hands.


In conclusion, from expert guidance and personalised planning to enhanced financial performance and peace of mind, a financial adviser can play a crucial role in helping you achieve your financial goals.


 

Ready to take your next step?


Matt Campbell - LGBTQ+ Financial Adviser

Matt Campbell is a qualified Independent Financial Adviser (DipFA, CeMap). He operates via Evolution Financial Services. Matt is based at Fleet St, London but works with clients across the UK.


For advice on pensions, investments, mortgages*, protection or estate planning needs, please click the link or see contact details below to get in touch with Matt.


Contact:



*A mortgage will be secured against your home. Evolution Financial Services is a trading name of Evolution FS Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Registered Number 597303.


 
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