Personal Financial Advisers
So, do some research. Take the time to establish the credentials of your adviser, ask about their qualifications, their experience and the structure of their business. Get to know them just as they will need to get to know you. If you just don’t feel confident then think twice about going ahead. If necessary, visit two or three before you make a decision.
Many of my clients are people I have dealt with for years, and although I’m not saying you have to become best mates with your adviser, the level of trust needed for an effective business relationship can only come through the development of a rapport.
So perhaps you are reading this as a DIY investor, ordinarily reliant on friends, family and Google for your financial advice. The experiences of others can certainly add to your research but if, when you are ill, you get professional advice from the doctor, why would you risk unprofessional advice when it comes to your money? Your friends' opinions will have been formed by their own experience and their own agendas and although you’ll hear plenty of bragging about successes, very few are prepared to admit to their mistakes.
Regardless of how much experience you have, a good financial planner can help you realise your goals by offering an impartial, professional take on your financial affairs.
Your Financial Adviser cannot predict the future. I certainly don't profess to know what the markets are going to do; I don't know which investment providers are going to go bust or are doing dodgy things behind the scenes; and I don't know what dramatic events will occur in my clients' lives.
What I can do is listen to the needs of my clients and help to guide them towards their goals and to think seriously, and realistically, about their future - what they want to achieve financially, whether they are comfortable doing it, and by when.
So next time you are sitting down to start making or updating your plans make a call to your financial adviser part of that process.
…making the complex simple
Investments Pensions Mortgages Life Cover
Contact Helen on; 01534 860660
helen@pbsconfidential.co www.pbsconfidential.co
Regulated by the Jersey Financial Services Commission. 20/20 The Finance Centre Page 81
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